About Foresters – Why Medical Insurance?
Every thinking person in the Guernsey Bailiwick realises that medical insurance is a `must’ for individuals and families alike. Ill health can strike anyone at any time or age without warning. Unless you and your family are members of a healthcare scheme, a serious illness can bring real financial hardship. If you or your child were ill, would you have to stop and think, `Can I afford a night visit?’ before getting the attention you or your child needed?
Why a Friendly Society?
Having decided that it is only sensible to safeguard against medical accounts which scheme should you join of the many available? The first essential is to ensure that the scheme of your choice is operated by a non-profit making organisation, democratically controlled by the members themselves, that will give you full value for your hard earned money.
Friendly Societies, though differing in details, will offer additional benefits over and above the medical insurance you pay for – for example, dental and optical grants, financial help for orphans and student grants.
Why the Foresters?
Established in its present form as long ago as 1834, the A.O.F. is one of the largest and oldest established friendly societies.
This is strictly a non-profit making society, all funds being applied for the benefit of the membership.
Security of Cover
The Foresters allow you to renew your cover every year, no matter what your age or health record may be. Members have the benefit of experience and expertise acquired over 160 years of operation – and the confidence of belonging to a well-organised society that will not let them down in time of need.
Value for Money
There is no overall limit to the amount you can claim for medical treatment in any one year. However, a surcharge may be applied if a members charges are consistently high.
Limits are set on surgery, physiotherapy and other available benefits, but by paying for additional units of benefit, realistic cover can be achieved against the majority of minor operations and other treatments.