Your Medical Account can be used to claim back medical costs, such as; dental and optical fees. It is not possible to add to your Medical Account. The only funds in are from the fund valuation, which happens every three years. This account does not attract any interest.

You can claim from your Medical Account for the following treatments/expenses:

i. Dental treatment
ii. Medical treatment/consultations
iii. Optical and ophthalmic treatment
iv. Therapies (includes physiotherapy, osteopathy, chiropractic, acupuncture and chiropody/podiatry)
v. Counselling for mental health and wellbeing
vi. Cosmetic wellbeing (such as wigs for cancer treatment)

Subject to approval:
vii. Payment towards the cost of convalescent home treatment
viii. Help with contributions for Members out of work or in otherwise distressed circumstances
ix. Other medical expenses not listed may be considered.

We will pay up to 100% of the value of the claim, providing you have enough money in your Medical Account. Where there is not enough money in your Medical Account, you can choose to use your Interest Account to pay for the remainder of part-of.

You must provide us with a receipt which shows your name, address, practitioner details, payment amount and date of treatment. We will only pay out on treatment that has already been paid. The claim must be submitted within 6 months of the date of the receipt. Any receipts older than this may be harder to validate with practitioners and could result in the receipt being rejected. We will consider all claims up to 12 months old.

If you wish to make a claim for your Medical Account to cover treatment which you have not yet paid for it may be possible for us, in special circumstances, to pay directly to the treatment provider. You will need to contact us first for your claim to be considered.

Your Interest Account can be used to make cash withdrawals when you need it, subject to 21 days notice. A balance of £10 must remain in the account. Unfortunately, it is not possible to add to your Interest Account. The only funds in, are from the fund valuation, which happens every 3 years.

Your Interest Account attracts interest on the balance at rates reviewed by the Society annually. The interest is taxable and will need to be declared on your tax return.

You can make a Medical Account claim or Interest Account withdrawal online using the form above. You will first need to register and provide your bank details for us to make a payment to.

Once registered, you will be able to make claims online and the payment will be paid to your registered bank account. For medical claims, you will need to upload a copy of the receipt. You must keep this receipt as from time to time we may ask you to send in the original.

If you don't have access to the internet, a paper claim form is available on request. Contact us for more information.

You will receive an annual statement showing how much is held in both your Medical Account and Interest Account. To find out the value at any time, simply call us and we will check the balance of your accounts for you.