Making a claim

Whether you need to arrange a diagnosis, a hospital operation, or to claim against a sickness, life insurance, savings or investment plan that you have with us, it’s our aim to make the whole process as quick and hassle-free as possible.

Please take a look at the sections below for more information on the claims process for our different policy types. If you can’t find what you’re looking for then please contact us and our friendly team will be happy to help.

Over 50s Life

Over 50s Life Cover, Guaranteed Life Assurance, Simple Over 50s Life and Over 50s Whole of Life members

If you’d like to make a claim on an over 50s policy please contact us.

We’ll be able to explain what information we need from you to help process the claim. This will include proof of death of the person who held the policy and proof that you are entitled to receive the money.

Income Protection

Accident Only Income Protection and Income Protection members

If you need to make a claim on an Income Protection policy, please give us a call on 0333 014 6244.

Our helpful claims handlers will guide you through the process and will let you know about any forms you need to fill in.

Private Medical Insurance

My PMI, Extensive, Optimum, Healthcare, Healthguard and Health Cover members

Download our Schedule of Fees to see the list of procedures for which our policies provide benefit.

All our private medical insurance claims are dealt with by an independent claims handler.

To make a claim on your private medical insurance policy please call 0333 014 6244 or email

Savings and Investments

Tax-Exempt Savings Plan, With-Profits Bond, ISA and Pension members

To close, partially withdraw or claim a maturity value of a savings or investment policy, please contact us and we’ll be happy to take you through the next steps.

Dental and Optical

For policy numbers starting: HC2, HC2A, HC2B, HC2GP and HCAGP

If you currently have a Healthcare policy with us and you would like to make an optical or dental claim, please download the relevant claim form below:

Once completed please send to

If you would like to make a withdrawal from your Healthcare policy please contact us.

Medical Benefit

For policy numbers starting: CP, HC1, DO, and MC

If you have one of the above policies and would like to make a medical benefit claim, please download the following form:

Once completed please send it to

If you would like to make a withdrawal from your Care Plus policy please contact us.

Death Claims

If you’re looking to make a claim following a policyholder passing away, please contact us.

We understand you’re likely going through a very difficult time so our caring claims handlers will guide you through the next steps at a pace that suits you. 

All Other Policies

If you want to make a claim or need any more information on any other policy, please contact us.

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