Assured Benefits Club Ltd (ABC) – works exclusively with BHSF Ltd (BHSF) to distribute specialist benefits products and services to large user groups, such as the GP 24/7 service.
ABC provides a direct to market distribution process, where retail subscribers are able to access these specialist GP services through a single subscriber access point.
BHSF Ltd – established as a specialist benefits group since 1873, BHSF has over 1 million users of their own. BHSF provide an exclusive corporate relationship with Medical Solutions Ltd, the GP services provider, to provide a bulk delivery of their GP 24/7 consultation service to their distribution Partners and their users.
BHSF supply this access to Assured Benefits Club clients.
Medical Solutions Ltd – is the specialist service provider of GP 24/7 Consultations to specialist user groups, such as ANL Mail Plus subscribers.
- They have 3.6million users.
- They provide access to their services by contract / arrangement to BHSF Ltd.
- Established since 1998.
- GMC accredited and CQC assessed.
- Medical Solutions are the provider of the Personal GP service direct to individual users / members.
As recognised and qualified medical professionals, Medical Solutions Ltd as the GP services provider carry medical malpractice insurance and are naturally responsible for all clinical care and advice that they provide. Individual GP’s under the umbrella of Medical Solutions Ltd, may also carry their own medical malpractice cover.
No Employee or representative of ABC, or BHSF will provide any form of medical advice to any individual subscriber at any time or be responsible for any advice provided by a Medical Solutions GP.
1.The GP Telephone Consultation Service is available 24 hours a day, 7 days a week.
2. The Online (video call) GP Service is available from 8.00am to 10.00pm, 7 days per week (excluding Bank Holidays).
3.The Online Doctor Service appointment is booked by calling the operator who will send you an email with a link to access the service. Very occasionally email systems can experience delays outside our control. If you have not received your email you should contact the operator again by telephone or you can complete your GP consultation by telephone without the face-to-face link.
4.If you click the email link before the doctor has called you, the doctor may not be available, you will see a message stating “Connection denied – No host available to approve your request”. Please wait a few moments and the doctor will be with you shortly.
5.All telephone calls and visual images are recorded for customer service and monitoring purposes. By accepting an appointment, you agree to the recording and these Terms and Conditions.
6.The doctor reserves the right to terminate the visual image if the patient displays inappropriate images/behaviour.
7.The visual imagery remains the property of the consulting doctor working for the supplier.
8.All data collected remains strictly confidential and is only used for the purposes of administering the service.
9.Doctor Service cannot be guaranteed if there is a failure of third parties with whom the supplier has no direct relationship or contract control e.g. broadband/internet connections.
10.The quality of images may not permit diagnosis to be made for some conditions. You may still need to see an NHS GP for further examination, prescriptions or referral to a specialist.
11.The service is not a replacement for your own NHS GP. You may still need to see your own NHS GP or contact the emergency services if the doctor feels it is necessary.
12.You should not use the service for emergencies or urgent conditions as this may delay necessary treatment. Irish female residents cannot use the service if they are, or suspect they may be pregnant.
13.Services are only available to UK and Irish Residents and operate under the exclusive jurisdiction of the English Courts and General Medical Council Guidelines.
Club membership does not confer any ownership of Assured Benefits Club Ltd on the member. Assured Benefits Club Ltd is owned by its shareholders. Payment of membership fees solely gives access to club benefits and no other benefits are implied or should be inferred.
Your first membership fee will be taken by direct debit within ten days (usually 3 days) of submission of your bank details. Should this payment fail for any reason your membership will be deemed not to have commenced and you will not be entitled to any club benefits. In such an event, club benefits will commence once the first payment is subsequently received.
Benefits will continue only as long as monthly premiums are paid.
In the event of a monthly payment being missed, the membership will lapse within 14 days of the due payment date unless payment is made within that time. If payment is made after that date, the provision of benefits within the period of non-payment will be solely at the discretion of Assured Benefits Club Ltd.
Benefits are only available to UK citizens domiciled within the UK, being England, Scotland, Wales and Northern Ireland. This does not include the Channel Islands, Isle of Man or any British territories.
The member benefits are supplied by third party providers. Assured Benefits Club can accept no responsibility for the negligent acts or the non-performance of any of these third party providers. Assured Benefits Club act as agents for BHSF. ABC accept no liability for goods, services or advice supplied or given by BHSF or its providers.
Membership of the club, involves The Assured Benefits Club providing benefits to its Members sourced from a variety of external Suppliers.
You will only pay the fixed monthly payment for your selected membership. We reserve the right to change (increase or decrease) our monthly membership fees, as may be required in the event that factors such as Taxation, VAT, Insurance costs, Regulatory or Compliance costs, Benefits costs and so on may change over time and this cost increase or decrease is required to be passed on to our members.
We do NOT charge any additional fees for membership to the Assured Benefits Club. Specifically, we do NOT charge any fees for changes or updates to your membership or plans, or for cancelling your membership or plans. We believe that by being fair like this, that members will value the benefits of their membership more.
Club members agree that no advice has been given in relation to suitability of any of the club benefits to the member. Assured Benefits Club Ltd can accept no responsibility in respect of the adequacy of the benefits to the member.
Any comments or statements made by any representative of Assured Benefits Club on it’s blog, newsletter or any other marketing communication must not be taken as advice.
From time to time guests may be invited to contribute to Assured Benefits Club Ltd’s blog, newsletter or marketing material. Any comments made by these guests should not be taken as representative of the views of Assured Benefits Club Ltd. They will be solely the opinions of the guest.
The Assured Benefits Club Ltd (ABC) is an affinity group. It is a collection of individuals brought together under one banner to obtain benefits as a group that may not have been available to each member individually.
- We at the Assured Benefits Club Ltd are NOT financial advisers.
- We do NOT give financial advice.
- We do not retail any regulated financial services products or services.
- We are NOT regulated by the Financial Conduct Authority.
What we have done is form a club and negotiated benefits with trusted and long established providers that would normally not be available to the general public.
Our aim is to keep the whole process as simple as possible.
- Members choose the benefits they wish to gain access to.
- They pay a monthly subscription.
- Whilst a member pays their subscription, they can enjoy the benefits of membership.
Assured Benefits Club has an affinity intermediary arrangement with BHSF Limited. BHSF Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. BHSF Employee Benefits is authorised and regulated by the Financial Conduct Authority.
No financial advice is provided by Assured Benefits Club. The products available through the Assured Benefits Club affinity arrangement are provided to members without advice. All products are selected by the member on a self-select basis with no recommendation or advice being sought or offered.
The assured benefits club is not covered by the FSCS – Financial Services Compensation Scheme.
BHSF Limited is covered by the FSCS. Compensation from that scheme may be payable if BHSF is unable to meet its obligations (e.g. if it goes out of business or into liquidation or is unable to trade). Entitlement depends on the type of business and the circumstances of the claim. Further information about the scheme is available on the FSCS website www.fscs.org.uk.
In the event of a complaint, please contact us either in writing or email as below, addressing your complaint to THE COMPLAINTS MANAGER, Assured Benefits Club Ltd, and we will respond to your complaint, in writing within 7 working days.
Assured Benefits Club Ltd.
Laurel Hill Business Park
You may cancel your membership of Assured Benefits Club Ltd at any time .
Cancellation is made by giving notice in writing, either to:
Assured Benefits Club Ltd.
Laurel Hill Business Park
or by e-mail to firstname.lastname@example.org.
All benefits will cease on the day of cancellation.
You should give notice of cancellation at least 14 days before the requested cancellation date to allow for cancellation of your direct debit. We recommend that you also cancel your direct debit mandate with your own bank.
There is no intrinsic value in membership so no monies will be due by Assured Benefits Club Ltd when cancellation is effected.
The Assured Benefits Club Ltd is registered with and complies with current GDPR Data Protection regulations and guidelines stipulated by the Information Commissioners Office (ICO). Our registration number with the ICO is A8141599.
Where The Assured Benefits Club Ltd receives any personal data from its members, it shall ensure that it fully complies with the provisions of the regulations and only deals with the data to fulfil its obligations under the contract. The Assured Benefits Club will supply its member’s application details to its suppliers in order to facilitate the delivery and fulfilment of products and services to its members.
In fulfilment of its obligations under the Act, The Assured Benefits Club Ltd shall have such systems in place to ensure:
- Full compliance with the regulations
- In particular, compliance with the Seventh Data Protection Principle which deals with the security of personal data
- The reliability of all its employees who may be involved in processing the personal data of the members shall take all reasonable steps to ensure that all its partners, contractors and agents comply with this clause where they are processing any of the members personal data on behalf of The Assured Benefits Club Ltd, shall allow members reasonable access to such information as is necessary to ensure that it is complying with the above provisions and the Act as a whole.
Membership, Plans, Products and Services will be governed by English Law
The Direct Debit Guarantee (or the “Direct Debit Indemnity”) is the Direct Debit scheme’s members protection. The Guarantee protects members against payments made in error or fraudulently, making Direct Debit the UK’s safest payment method. The full text of the Direct Debit Guarantee is available.
This guide describes the protection members receive and our obligations under the Direct Debit Guarantee.
The Direct Debit Guarantee rules:
The Direct Debit Guarantee protects members in three ways:
- Notifications – members must be notified in advance of each payment. Failure to follow notification requirements may result in a merchant being barred from the scheme. This is typically 10 working days before a payment is taken but a shorter notice period can be agreed. See our guide to taking payments for more details.
- Refunds – members are entitled to a full and immediate refund of any payment that has been taken in error.
- Cancellations – members can cancel a Direct Debit mandate at any time by contacting their bank. For more information see our guide to cancelling Direct Debit mandates.
Each of the above protections are enforced by the banks and so form an intrinsic part of the Direct Debit scheme. Refunds and cancellations are processed by the payer’s bank without prior discussion with the merchant.
The indemnity claim process:
Under the Direct Debit Guarantee, the rules around refunds are particularly strong. A member can request a refund (known as an “indemnity claim”) for any payment, and provided the bank agrees with the validity of their indemnity claim, the member will receive an immediate refund. Further, there is no time limit on when indemnity claims can be made.
To raise an indemnity claim, a member must notify their bank that they believe there has been an error. This “error” is defined broadly, and includes any dispute about the amount taken.
The member’s bank will generally accept the word of the payer, and if they do will immediately credit them with a full refund. They will then notify the merchant of the indemnity claim via a DDICA message with a reason code, available through Bacs. The amount refunded to the member will be reclaimed from the merchant automatically 14 working days later.
The only grounds to dispute an indemnity claim within the Direct Debit scheme itself are:
- The member’s bank has made an error in raising the indemnity claim. For example, the member’s bank may have mistakenly sent the same indemnity claim twice.
- The member’s bank failed to inform the merchant after the member’s mandate was cancelled, and then allowed payment to be taken under the cancelled mandate. In this case the member’s bank are liable for the indemnity claim, as they are responsible for it.
- The member claims they never signed a Direct Debit Instruction, but the merchant can produce a signed paper DDI, which the member then accepts.
Given the limited scope for appeals within the Direct Debit scheme, most disputes happen outside of it. The Direct Debit Guarantee does not impact any contractual agreements between a merchant and their member, and fraudulently charging back a Direct Debit payment is a criminal offence, covered by the 2006 Fraud Act.