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Interplan
Worldwide
Interplan
WorldwideInterplan
Euro
InterplanEuro
SharedCare
SharedCare
Exeter Friendly Societytraining program
Preferred
& Low Cost
Preferred
& Low Cost
Age on Entry
Pricing
Age on Entry
Pricing
Exeter Friendly Society
• CONTENT– Who we are– Why choose us– How we support Intermediaries– What makes us different
• Members can join up to 80th birthday• Our GP helpline service• Our individual underwriting policy• The way we treat pre-existing conditions
– Our range of plans– Summary
Who we are
• Specialists in individual PMI – No corporate or switch business
• Established in 1927– Almost 80 years of experience
• Friendly Society– Not for profit just for members
• Located in Devon– Members in the UK and in over 100
countries throughout the world– Office in Alicante (Javea)
• Committed to supporting our intermediary channel
Why intermediaries choose us
• Simple to explain schemes– With no complicated no claims or starter discounts or loading of
premiums after making a claim
• Our experience and reputation• Downloadable documentation including
premium tables• Attractive commission rates• Higher renewal levels from loyal customer
base• Our superior service levels
“I have used Exeter Friendly Society for over 10 years and I am delighted with their service levels.” P. Taylor, Bridgwater
Why choose us
• OUR SUPERIOR SERVICE LEVELS– Fast and efficient turn around of applications and
queries• We aim for same day action for correspondence and queries
– Apply online, post, fax or telephone– Mori option or
– FMD (normally underwritten in 5 working days or less)
– Invoices processed within 10 working days • Including overseas
– We look after your customers• And we keep you informed
Why customers choose us and stay with us longer
• We treat customers fairly– No surprises at renewal or after making a claim– Fair and individual underwriting policy– Clear benefits and restrictions– Wide choice of hospitals– Join up to the day before 80th birthday
• We treat customers as individuals– The ‘Friendly’ society– No automated or call centre telephone answering– Telephone claims authorisation– Oncology support team– Free 24hr private GP helpline service
Intermediary Support
• Dedicated intermediary team– Regular contact and support– Intermediary support desk
• Tailored training sessions– Presentations– Sales aids– One 2 One
• Online application facilities• Marketing support
– Customisable leaflets and posters– Trackable weblinks– Joint advertising
What makes us different -eligible policy ages
• Join up to 80th birthday
• No upper age limit for renewals
• Dependent children covered from 3 months to 21 years– Continuous cover available 21- 25 yrs at 50% discount
What makes us different -GP helpline
• 24/7 private GP helpline service– Call & quote policy no.– Trained operator will take details &
arrange for private GP to call back at convenient time
Customers can discuss their concerns, obtain a 2nd opinion or request clarification
What makes us different -online applications Mori & FMD
• Moratorium– Quick and easy (no health forms)
• Fast and easy especially when applying online
– Underwritten and investigated at time of claim– Not covered
• Any conditions/symptoms in last 5 years– whether diagnosed or not, plus
• ANY related conditions/symptoms
Members covered for pre-existing conditions
after 2 continuous years of non recurrence
What makes us different -our individual underwriting policy
• Full medical declaration (FMD)– Apply online, post or fax– Complete detailed health questionnaire
• Online or offline
– Terms usually issued in 5 working days– Pre-existing conditions/symptoms excluded
• Our fair and individual underwriting policy
Customer knows in advance which conditions are excluded
What makes us different -how we treat pre-existing conditions
• Pre-existing conditions or symptoms are not covered• ‘Related’ conditions and symptoms also generally not
covered• Our fair and individual underwriting policy
– We assess each application and tailor exclusions for related conditions according to our assessment of the individual risk
See examples of how we underwrite hypertension
Example 1
• John– 50+ with mild hypertension
• Under control with medication• Fit, not overweight and a non smoker
– Exclude• Investigations and treatment of hypertension
– Cover• Strokes & heart attacks
Example 2
• Jane– 60+ with hypertension
• Also suffers from angina, takes several medications
• Doesn’t exercise and smokes 20 a day
– Exclude • Investigations and treatment of hypertension, also• Investigations and/or treatment of angina and
strokes
Interplan
Worldwide
Interplan
WorldwideInterplan
Euro
InterplanEuro
SharedCare
SharedCare
Exeter Friendly Societytraining program
Preferred
& Low Cost
Preferred
& Low Cost
Age on Entry
Pricing
Age on Entry
Pricing
4 Traditional plans with Age on Entry pricing
Preferred & Low Cost Shared Care
Interplan Worldwide
Interplan Euro
What is Age on Entry pricing
What does it really mean?
• Between the ages of 35 and 65 premiums will typically rise by 175%
• Insurance premiums rise most rapidly as customers reach 65+
Source ABI Guide
But with our Age on Entry pricing ‘the age you join is the age you stay’
Age on entry cost benefits
£700.00
£900.00
£1,100.00
£1,300.00
£1,500.00
£1,700.00
£1,900.00
£2,100.00
£2,300.00
£2,500.00
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
Renewal Year
An
nu
al P
rem
ium
Premiums based on fixed age at entry
Premiums based on age at renewal
Fixed age at entry premiums for a 65 year old joining Exeter Care Preferred, Level 2 in 1997 compared with the cost of premiums for the same cover based on age at renewal
Exeter Care Preferred & Low Cost
2 traditional plans with in/day patient private hospital treatment– Preferred plan
• Full refund for in/day patient hospital treatment*• Consultations up to £600 & diagnostics up to £1750• Oncology up to £15K p.a.
– Low Cost plan• Full refund for in/day patient hospital treatment**• Consultations & diagnostics limited to £275• Oncology up to £10K p.a.
• Both– NHS hospital cash benefit £100 per day up to £2K– 5% - 35% discount for £100-£1,000 voluntary excesses– 5% discount for annual direct debit– FMU & MORI
* up to 140 days per year
** up to 70 days per year
No age related
increases
Free 24hr GP Helpline
Preferred Plan Low Cost PlanBenefit Summary
Hospital Charges
Specialist Services
Pre Admission Tests
Out-patient Surgery
Oncology
Paid in full up to 140 days p.a.
Paid in full
£15,000
Paid in full up to 70 days p.a.
Paid in full
£10,000 p.a.
Specialist Consultations Diagnostic Tests
Manipulative Treatment
Other Health Care Prof
£1750 p.a.
£600 p.a.
£250 p.a.
£100 p.a.
£275 p.a.
Home Nursing
Ambulance
Hospital Cash Benefit
£25 per day up to 30 p.a.
£200 p.a.
£100 per day up to £2k p.a. £100 per day up to £2k p.a.
For full details about all other benefits see policy document
Exeter Care – Table of benefits
Shared CareAffordable co-responsibility plan
– Customer chooses to pay 25% or 50% of treatment costs– Responsibility capped at £5K & £10K if eligible (Within eligible benefit limits)
benefits available• Ideal for customers with savings or ISAs
– Core• In/day/out patient up to £100K in any EEA country (Fully Shared Payment)
• Oncology up to £15K p.a. (Fully Shared Payment)
– Option A• Consultations & diagnostics up to £5K (Fully Shared Payment)
– Option B• Complementary treatment (physio/osteo etc)• Home nursing• Private ambulance
Low inflation increases
5% discount for annual Direct debit
No age related
increases
Free 24hr GP Helpline
Shared Care - Table of benefits
Shared Care PlanBenefit Summary
Customer pays 25% (capped at £5,000 within eligible benefit
limits)
Customer pays 50% (capped at £10,000 within
eligible benefit limits)
Hospital Charges
Specialist Services
Pre Admission Tests
Out-patient Surgery
Oncology
Core Fully shared payment
)
) up to £100,000
)
up to £15,000 p.a.
Out-patient Specialist Consultations, Diagnostic Tests & Scans
Option A Fully shared payment up to £5000 p.a.
Complementary Treatment
Home Nursing
Ambulance
Travel Allowance
Health Screens
Option B Fully shared payment
up to £300 p.a.
up to £300 p.a.
up to £50 p.a.
up to £150 p.a.
For full details about all other benefits see policy document
Interplan Euro
Designed for expats & nationals living in Spain, Portugal & other EEA countries
– Ideal for those living in multiple countries including partly in UK
• Choice of 4 benefit levels– Select most appropriate
• All premiums, benefits, claims and commissions payable in Euros
– Pay annually or quarterly by credit card– 5% discount for annual direct debit
(Spanish or Portuguese bank a/c only)
• Other discounts available– 5%-25% discount for 150-1,000 Euros voluntary excesses
No age related
increases
Free 24hr GP Helpline
Interplan Euro – Table of benefits
Plan Three
Plan Two One Plus One
Benefit Summary
Up to €160,000
p.a.
Up to €80,000 p.a.
Up to €30,000 p.a.
Up to €16,000
p.a.Hospital Charges(per condition p.a.)
Specialist ServicesPre admission tests(within 2 wks of admission)
Oncology
€55,000
Paid in full
€55,000 p.a.
€32,500
Paid in full
€30,000 p.a.
€8,000
Paid in full
€15,000 p.a.
€8,000
Paid in full
€3,000 p.a.
Diagnostics, tests & scansOut-patient services
€4,000 p.a. €2,500 p.a. €2,500 p.a. €1,500
Other
Complementary treatment
€1,250 p.a. €600 p.a. €225 p.a. €225 p.a.For full details about all other benefits see policy document
Interplan Worldwide
Designed for expats and nationals living abroad
– Available on a roaming basis in all countries except USA & Bahamas
– Domiciled exclusions are USA, Bahamas, Switzerland, Southern Ireland, Holland, Kenya and France
• 5 different levels of benefits– Choose the most appropriate for the relevant country– We can suggest but we do recommend taking local
advice
• Discounts available– 7.5%-17.5% discount for £100-£500 voluntary excesses– 5% discount for annual direct debit from UK bank a/c
Free 24hr GP Helpline
No age related
increases
Interplan Worldwide – Table of benefitsPlatinum Option A Option B Budget
Options C & D
Benefit SummaryHospital Charges*
Surgeon’s or Physician’s fees*
Anaesthetist’s fees*
Pre Admission Tests(within 2 wks of admission)
Oncology
£30,000
£3,000
£800
Paid in full
£10,000 p.a.
£15,000
£2,000
£600
Paid in full
£5,000 p.a.
£7,500
£1000
£300
Paid in full
£2,000 p.a.
See policy document
for full details
DiagnosticsOut-patient servicesSpecialist consultation (max 10)
£3,000 p.a.£160 each
£2,000 p.a.
£120 each
£1,000 p.a.
£80 each
OtherComplementary treatment £400 p.a. £300 p.a. £200 p.a.
For full details about all other benefits see policy document
*per condition per annum
Summary
• Include Exeter Friendly Society within your portfolio
• Explain our plan benefits to your customers
• Take advantage of our excellent customer service
• Take a fresh look at our uncomplicated plans
• Try our online application facility
• Experience our superior support
Talk to us
• We want to help– make your life easier– generate more business– convert more quotes– close more sales
0845 034 3333Intermediary Support
Exeter Friendly Society Limited, Lakeside House, Emperor Way, Exeter EX1 3FD
All plans are underwritten and administered by Exeter Friendly Society Limited, which is incorporated in England under the Friendly Societies Act 1992, registered number 91F, registered address: Lakeside House, Emperor Way, Exeter EX1 3FD.
Exeter Friendly Society Limited is authorised and regulated by the Financial Services Authority, registered number 205309. FSA registration can be checked at
http://www.fsa.gov.uk/register
or call the FSA on 0845 606 1234.
The name Go Private is a registered trade mark of Go Private Limited, a wholly-owned subsidiary of Exeter Friendly Society Limited. The trade mark is used under
licence by Exeter Friendly Society Limited.
Telephone calls may be recorded for quality assurance and training purposes.
