FAQ

Insurance

• Who is the insurer?Pulse Insurance Limited authorised and regulated by the Financial Conduct Authority (Ref: 308626). Registered in England and Wales (No. 3492137).
• Who is inqus?Inqus is a trading style of Qrumble Risk Services Limited which is an appointed representative of ES Risks Limited which is authorised and regulated by the Financial Conduct Authority FRN 565023These details may be confirmed on the Financial Services Register at www.fca.gov.uk or by calling 0800 111 6768.
• Why should I take out this policy?The policy is designed to provide you with financial support if you are diagnosed for the first time with a covered cancer.
• What cover is provided?The insurer will pay a cash benefit if an insured person is diagnosed with a covered cancer during the period of insurance and after the 90 day waiting period has passed. This must be the first diagnosis of cancer in your lifetime and the benefit will be paid out once only.
  For full details of the benefits provided, please refer to the policy wording.
• What types of cancer are covered?The policy offers the sum insured as specified below and in Your Policy Schedule, for the first diagnosis of:
  1) Cancer– excluding less advanced cases-, as defined below, or
  2) Benign Tumour of the brain, spinal cord or meninges requiring surgery, stereotactic radiosurgery, or radiotherapy,
  if the initial signs or symptoms first appeared after a Qualifying period of 90 days following the Policy inception date.
• What is not covered?• All cancers which are histologically classified as any of the following:
  o pre-malignant;
  o non-invasive;
  o cancer in situ;
  o having borderline malignancy;
  o having low malignant potential;
  • All tumours of the prostate unless histologically classified as having a Gleason score of 7 or above or having progressed to at least TNM classification T2bN0M0.
  • Chronic lymphocytic leukaemia unless histologically classified as having progressed to at least Binet Stage A.
  • Any skin cancer (including cutaneous lymphoma) other than malignant melanoma that has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin).
  You are unable to make a claim during the first 90 days after a policy is first taken out – the waiting period.
  
  For full details of what is not covered please refer to the policy wording.
• Can I take out the insurance if I have already had cancer?This may be possible. Please call our customer services team on 01603 613531 to discuss further.
• Can I add my partner to the policy?Yes – if you have opted for the Full Cancer product, please log on to your account and follow the steps to add a partner. The same approach can be taken if you have taken out either Female or Male cancer products and the partner is the same sex.
  If however, you have taken out a Female or Male Cancer product and your partner is not same sex, please access our website and click “Get a Quote”.
• Can I add my children to the policy?Yes – your daughter, step daughter etc can be added to an existing Female cancer policy and son or step son can be added to a Male Cancer policy. Either can be added to a Full cancer insurance policy
• How do I pay the premium?Premiums are collected monthly, by direct debit
• How can I cancel the insurance?please telephone Us on 01603 613531 or email Us at
  clarity@pulse-insurance.co.uk. Alternatively, please log on to your account and follow the links.
• How do I change the bank account details for premium collection?Please log in to your account and follow the link.
• Are there any hidden fees or administration charges?No, the monthly premium is the only charge incurred.
• How do I contact inqus?Inqus is provided by Pulse Clarity a trading name of Pulse Insurance Limited. Their telephone number is 01603 613531. Their email is
  clarity@pulse-insurance.co.uk
  Alternatively, please email support@inqus.co.uk.
• Where can I find my Policy Schedule, Wording, Terms and Conditions and Insurance product Information Document? Please log in to your account. All the documents relating to your insurance are securely saved in your client area.
  
• Where can I find terms of business?These are located on our website: https://inqus.co.uk/downloads/
  
• How can I access my details online?Please log in to your account and follow the link “Sign In”.
• How can I change my contact details?Please log in to your account and follow the link “Sign In”.

Claims

• How can I make a claim?You should notify Your claim as soon as practicable but no later than ninety (90) days after an Injury to Our Claims Administrator, at the following address:
  Roger & Rich & Company – Part of the Claims Consortium Group
  2a Marston House
  Cromwell Business Park
  Chipping Norton
  Oxfordshire OX7 5SR
  
  Email: countymedical@claimsconsortiumgroup.co.uk
  Telephone: 01608 641351
• What information do I need to make a claim?When registering a new claim please have your certificate number with you. In addition, please have details of your GP and consultant who is treating your condition.
  
  All medical conditions must be confirmed and documented in writing by the treating oncologist or medical specialist through a medical report and accompanied by the histological report and/or any other pertinent test results confirming diagnosis.
• What happens once I make a claim?Our Claims Administrator will promptly send you a claim form once contact is made. If you encounter any issues with this process, you should contact your Plan Administrator who sold you this policy (whose contact details will appear on their correspondence sent to you). Your Plan Administrator will be able to assist you with making the claim and any further issues that may arise.

Complaints

• How can I complain?We are dedicated to providing you with a first class service and our wish is to ensure that all aspects of Your insurance are dealt with promptly, fairly and efficiently at all times. If you feel that we have not offered a first class service or you have any questions or concerns about this policy or the handling of Your claim, please contact us and we will do our best to resolve the problem. Our contact details are:
  Pulse Clarity a trading name of Pulse Insurance Limited
  Telephone: 01603 613531
  Email: clarity@pulse-insurance.co.uk
  
  For more information of how to make a complaint please refer to the policy wording.

Reframe Cancer

• What is Reframe Cancer?Inqus is provided by Pulse Clarity a trading name of Pulse Insurance Limited.
  
  Pulse Insurance is here to support you throughout your cancer journey. Our Cancer Support Service provides personalised practical and emotional assistance to help you navigate every step of the way.
  This service is delivered by Reframe Cancer, a team of experienced cancer support specialists.
• What support does Reframe Cancer offer?If you are undergoing cancer tests, the Reframe team is available to support you during this concerning time. They can assist you in managing appointments and referrals, offer reassurance, provide clear explanations, and help you prepare for appointments.
• What is the Reframe InfoHub?As a Pulse policyholder, you have access to Reframe’s InfoHub, which is packed with valuable information on cancer-related topics and crucial advice on prevention and symptom awareness.
• What is the personalised support plan of Reframe Cancer?After a cancer diagnosis, Reframe’s cancer support team can assist you by developing a personalised support plan. This plan may include: understanding your diagnosis and treatment options (both NHS and private), arranging second opinions, providing advice on how to communicate with loved ones or employers, finding local support groups, and offering practical support for child or pet care.
• How long will I get cancer support from Reframe Cancer?The cancer support service will provide you with 16 hours of support over 12 months from your first appointment with the Reframe team. You will be allocated a dedicated team which includes a Cancer Nurse Specialist along with a Cancer Support Manager who will help you with everyday practical challenges.