Page 22 - Employee Handbook - MMR Ltd
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PRIVATE MEDICAL INSURANCE 22
MMR provides a generous Private Medical Insurance to eligible employees,
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on a Full Medical Underwriting basis – eligibility to join the scheme is reserved.
outlined in your contract of employment. The scheme offers health
insurance which aims to fund eligible private medical treatment in the
United Kingdom.
A summary of cover can be requested from your HR team, some details are outlined
below:
Type of Treatment Cost Maximum Benefit
Out-patient consultation and treatment, including MRI, CT and PET scans Paid in full
Out-patient therapies and complementary medicine on GP or consultant Paid in full
referral
Out-patient surgical operations, day-patient or in-patient treatment Paid in full
Out-patient surgical operations, day-patient or in-patient treatment Paid in full
Facility charges for: accommodation, theatre charges, nursing care, drugs Paid in full
and dressings, intensive care, diagnostic tests and MRI, CT and PET scans,
therapies, prostheses and appliances
Cancer treatment Paid in full
Family cash benefit £200 for each birth
Private ambulance up to £80 each single trip
Home nursing Up to £2,000 each year
Please note that our private medical insurance is renewed on an annual basis, on the
1st of April and therefore MMR reserves the right to amend the insurance cover and/or
insurers or cancel this insurance if necessary.
Private Medical Insurance is a taxable benefit. This means that MMR covers the cost of the premium
and you are taxed on the premium amount associated to your membership. Your tax code will be
adjusted accordingly by HMRC, and this will be reflected on your payslip.
The premium is calculated based on the member’s age. MMR covers the cost of the premium
for the Employee Only cover. Should you wish to add your partner and/or dependants, you will be
responsible for paying the cost of the premium related to your partner and/or dependants.
The cost of this premium will be deducted from your salary on a monthly basis from the
month their membership starts.
You may join the scheme in April or October, subject to eligibility criteria. The cover will only
commence on receipt of a completed signed application form, including the medical declaration
and the Member’s Consent form. All membership details will be sent to your home address upon
joining.
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