You deserve
PEACE OF MIND
against the unknown
Why Medical Insurance?
Medical insurance helps make healthcare more affordable while protecting you and your family from the financial impact of unexpected illness or injury. The cost of treatment can quickly add up, even for relatively routine medical conditions.
While it is easy to think that good health today will continue tomorrow, accidents and illnesses can affect anyone at any stage of life. Having medical insurance provides access to support when you need it most and helps give you the peace of mind that comes from knowing you are prepared for the unexpected.
Why choose Foresters Healthcare?
Built on a heritage dating back to 1834, Foresters Healthcare continues to operate with the same community-focused ethos that has underpinned its healthcare offering for generations. We remain committed to providing affordable, locally administered healthcare insurance for residents of Guernsey, Alderney and Jersey.
Guided by long-standing values of service, care and community, we focus on delivering quality healthcare insurance and personal support to our policyholders.
Our experienced local team is based in St Peter Port and is available to provide support and guidance when you need it. Whether you choose to contact us by email, telephone or online, or visit our office, you can expect a personal and responsive service.
Policyholders may also choose to apply for membership of the Ancient Order of Foresters Friendly Society Court Pride of Sarnia 8143. Subject to the Society’s rules and the availability of funds, members may be eligible to apply for a range of discretionary grants and benefits, including assistance towards dental and optical expenses and other member support initiatives.
Further information regarding Society membership, discretionary benefits and eligibility criteria can be found on the Society’s webpage.
We are also proud supporters of local charities, community organisations and sporting initiatives, helping to make a positive contribution to the communities we serve.
Frequently asked questions
Why do I need health insurance?
Everyone cares about their health but sometimes we can struggle with the costs of staying healthy or treating an illness or injury. Health insurance is taking the unknown financial costs and transferring it into a clear and manageable premium and taking away the worry in the process. At Foresters Healthcare, our chief aim is to provide cost effective insurance products to the islands of Guernsey, Alderney and Jersey at reasonable prices.
Who is the ideal Foresters member?
Anyone can be a Foresters member, we do not reject or exclude pre-existing illnesses
or injuries and our reasonable prices allow Guernsey residents from all walks of life
to have access to a purpose built insurance plan for the island.
Are there any age limits?
Foresters has no lower or upper age limit. Our members range from only one month
old to over one hundred.
How does it work when you go to the Doctor as a Foresters member?
Visiting the doctor after becoming a member is as simple as it gets, simply check in at the surgery and sign for your States of Guernsey grant (if applicable), attend your consultation and leave. In the case of consultations or blood tests your bill will be forwarded direct to our office. If you have other procedures or injections you will receive an account in the post which can then be forwarded onto us.
How do I know what type of insurance plan is right for me and my family?
Choosing the right plan for you and your family can sometimes be a difficult and onerous task. Our professional team will assist you by providing you with all the up-to-date information and advise you on how Guernsey’s health system works to allow you to make the most educated decision about what cover best suits you and your loved ones.
Will I be able to use my current doctor?
Of course, we are able to work with all local General Practice surgeries and other primary care medical professionals provided they are locally registered.
How does the child only policy work?
Our “Child Only” policy is no different to the rest. Parents can apply to cover their child only and have the opportunity to tailor the cover to how they feel will best suit the child. If later down the road you decide to join your child at the Foresters, we can simply group up your memberships for easy renewals and payments.
Is making a claim easy?
At the Foresters we have worked tirelessly to make the claims process as efficient and stress free as possible. Making a claim is a simple as submitting an itemised account to our team and letting our claims team process the charges. If your bill is unpaid, payment will be made directly to the surgery or clinic. If you have already paid, we will reimburse you.
What do you think makes Foresters different to mainstream providers?
The key difference that sets us apart is our community-focused, mutual-style approach. Unlike many insurance providers, we are not driven by the need to generate profits for external shareholders. Instead, our focus is on providing affordable healthcare insurance and delivering value to our policyholders. This allows us to design our products with our policyholders’ interests at heart and helps us keep premiums as affordable as possible.
Does health insurance cover dental and optical?
As part of our insurance policy we do not offer cover for dental and optical treatments. However, please refer to here where the Ancient Order of Foresters Court Pride of Sarnia 8143 offer ex-gratia grants for dental and optical treatments as part of their “member benefits”.
If my circumstances change can I then amend my cover?
Cover can be amended at anytime during your policy term or at renewal. Just contact a member of our team who will assist with amendments to your policy.
