EmbryoCare FAQs

Our 'Frequently Asked Questions' section is here to save you time in finding the answer you need. However, please make sure you also read the key features summary and policy documents to ensure you fully understand the cover provided by this policy. 

Our two key products are Future Family and Life Insurance. Both products cover a baby in the womb, through to the child’s second birthday.

Future Family is a more comprehensive product typically covering 14 conditions selected by the medical profession. It costs from £16 per month.

Life is a cost effective (from £6 a month), alternative that can cover up to six conditions most requested by mothers.

The FAQs below provide greater detail on these covers which are bought by individual parents. Our insurance can also be bought by businesses for the benefit of staff. If you would like for information on this please contact us on chat, email or call the number below.

If you have any other questions or concerns please contact us on 0800 6444 355 or support@embryocare.co.uk

Security
Policy
Emergency
General
Medical
Age
Residency
Cancel
Travel
Security Information
Is it safe to put my personal details online?

Yes. Whenever we ask you for personal information, we do so within a secure environment and all details sent between your device and our website are encrypted.

Policy Arrangements
Can I change my policy?

If you move house, change your name, find that we have recorded your date of birth incorrectly or have another change to your circumstances then please call us on 0800 6444 355 or email us at support@embryocare.co.uk and we'll adjust your policy.

How do I renew my policy?

No renewal is required. If your premiums are up to date then the policy automatically expires when your child is 2 years of age. We shall send you a note on each anniversary reminding you of the cover and premium paid.

How do I pay for my policy?

You can either pay a single premium ‘upfront’ or pay 12 or 24 regular premiums. All payments are by direct debit so you are protected by the banks' Direct Debit Guarantee.

How accurate does the information I give you need to be?

In deciding whether and how to underwrite this policy, your Insurers will rely on information provided in the Application Form and any other presentation, statements, declarations or information provided in relation to your application, including information provided by any Medical Practitioner / Specialist.

If any of the information provided to your Insurers is not true or incomplete then, depending on the circumstances in which the information was provided, they may:

• change the terms and conditions of your policy;

• change the premium payable; or

• cancel your policy and treat it as if it never existed.

If you have any concerns whatsover about this then please contact us immediately on 0800 6444 355 or support@embryocare.co.uk.

Does the policy have a 'cash in' value'?

This policy does not acquire a surrender or 'cash in' value and no premiums are refundable at expiry.

What 'conditions' are not covered?

The policy does not cover:

1. Other conditions meaning any conditions, illnesses or disabilities which are not listed in the table of Diagnosed Covered Conditions in the policy certificate.

2. Inappropriate use of alcohol or drugs meaning the Insured Person’s mother’s inappropriate use of alcohol or drugs, which includes the following: (i) Consuming more alcohol than recommended by the General Medical Council. (ii) Taking an overdose of drugs, whether lawfully prescribed or otherwise. (iii) Taking Controlled Drugs (as defined by the Misuse of Drugs Act 1971) otherwise than in accordance with a lawful prescription.

3. Self-inflicted injury meaning death or injury resulting directly or indirectly from the Insured Person’s parent or that of any carer’s criminal activity, intentional actions, or self-injury.

4. Specially excluded Conditions meaning where your claim is excluded by any Special Condition or other Additional Exclusion or where Diagnosed Covered Condition are removed as stated in the Schedule or detailed in any Mid-Term Adjustment issued after this policy has been sent to you.

5. Unreasonable failure to seek or follow medical advice meaning the Insured Person’s mother’s failure to seek or follow medical advice.

How do I claim?

You buy insurance for peace of mind and so you can claim if something happens.

In the event of a claim you should notify EmbryoCare as soon as possible by calling us on 0800 6444 355 or emailing us at claims@embryocare.co.uk. We can then collect the correct information from you right from the start and ensure that the claims process is as smooth as possible.

Please do this as soon as you can, and within 30 days of becoming aware of anything likely to result in a claim.

Can I make more than one claim?

Yes, if your child is diagnosed with more than one of the Diagnosed Covered Condition listed in the policy certificate. Your premium payments must be up-to-date at the time that the second or subsequent Diagnosed Covered Condition is diagnosed.

When should I apply for cover?

You should apply as soon as possible after your 20 week scan. If your application is accepted you can start cover at any time between the date of your clear 20 week scan and the end of the 29th week of your pregnancy.

How do I make a complaint?

Full details are in your policy document but we would encourage you to first try to resolve any dispute directly with us. If this fails then you can now submit your complaint via the electronic complaint form on the Online Dispute Resolution platform.

Emergency
Do I have to pay medical expenses?

In the event of a valid claim, the policy will pay the policyholder the benefit amount. It is up to you to choose what the benefit is spent on.

What if I have a medical emergency?

Please use the emergency services as normal and contact us as soon as possible thereafter.

How do I claim?

You buy insurance for peace of mind and so you can claim if something happens.

In the event of a claim you should notify EmbryoCare as soon as possible by calling us on 0800 6444 355 or emailing us at claims@embryocare.co.uk. We can then collect the correct information from you right from the start and ensure that the claims process is as smooth as possible.

Please do this as soon as you can, and within 30 days of becoming aware of anything likely to result in a claim.

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General Cover Questions
How long is my child actually covered for?

Cover starts on the inception date of the policy, and continues until the child’s second birthday.

Will my private medical cover be sufficient?

We suggest that you check this carefully as the cover usually relates to treatment and not the many other costs you may incur.

What if everything I need is provided for by the NHS?

The product is designed to complement the NHS, not to replace it. You should still undergo treatment as advised by your NHS doctor(s) and the benefits provided under this Policy are meant to assist with any additional costs you will incur. This can range simply from mounting car park costs to extended time off work to care for your child - amongst many other unforeseen costs.

 

 

What are the benefits under the policy?

Each condition has its own fixed benefit amount shown in the product information and policy certificate. This is paid to the policy holder upon the child being diagnosed with one or more of the covered conditions.

What is a covered condition?

The conditions for which a benefit is payable include: cerebral palsy; congenital heart disease; congenital deafness; cancer; epilepsy; cystic fibrosis; cleft palate; congenital cataract; congenital blindness; cleft lip; developmental dysplasia of the hip; club foot, diabetes mellitus and death by any cause. Down's syndrome can be included as an optional extra.

Who are the benefits paid to?

Payments are made in the name of the policy holder - the mother.

Who can insure my baby?

We provide cover to the natural mother. Subject to the agreement of our underwriters, we can also cover surrogate and adopting parents.

What can I use a claim payment for?

Benefits payable can be used in whatever way you wish. This might include medical treatment not covered by the NHS or medical insurance, house remodelling or loss of earnings due to a parent having to stay at home. The choice is entirely yours.

Am I covered if I move outside the UK either temporarily or permanently?

Yes. Please be aware that you and your baby must be registered throughout the period of insurance with a qualified General Practitioner (GP) in the country in which you are resident.

Please let us know your new address and if you need to claim then please follow the usual procedures explained in our FAQs and in the policy certificate.

Who can pay the premium?

Anyone you choose can pay the premium. For example, its fine for parents and grandparents of the mother to help out...

Who are EmbryoCare?

The board of EmbryoCare includes Dr John Fysh (Chief Medical Officer). Dr Fysh has had a distinguished career and is currently a consultant at the Portland Hospital in London, a Fellow of the Royal College of Paediatrics and Child Health and the Royal College of Physicians.

Leading the company is Jamie Moyes, our founder and Chief Executive Officer.

Please follow this link for the full EmbryoCare story.

How do I make a complaint?

Full details are in your policy document but we would encourage you to first try to resolve any dispute directly with us. If this fails then you can now submit your complaint via the electronic complaint form on the Online Dispute Resolution platform.

Medical Conditions
I have a medical condition, can I be covered?

Some conditions can be covered without referral so please complete our online application form. If we need more information or to refer your quotation to insurers then you will be asked for the information within the application. We shall then refer it for action and you will usually hear the result within 48 hours.

What happens if I am having twins / triplets?

In the case of twins, we are pleased to confirm that cover is available if you buy a policy for each of your children. You cannot buy for just one as we shall not know which one is covered. Please therefore buy two policies, one at a time, to cover each child. Each child will have their own policy and full cover in their own right. Different policy numbers will be issued to you for each. After the children are born we shall contact you to add your chosen names to their individual policies. In the case of more than two births - we unfortunately cannot provide cover at this time.

I am not sure about the medical history of my mother / father. Can I still apply?

Don't worry, we only need to know about the medical history of the mother and father of the baby you wish to insure. We do not need any information about their parents!

How can I remove the additional premium payable for Down's syndrome?

It is now possible for an expectant mother to be tested for Down’s syndrome well before the 20 week scan. As Down’s syndrome is a higher risk to insurers (particularly for older mothers), it can result in an expensive premium.

Mothers may choose to pay for the test as a cheaper option than the Down’s syndrome insurance extension. For those that wish to insure this condition we offer cover at additional cost - please just add this selection to your quote.

What 'conditions' are not covered?

The policy does not cover:

1. Other conditions meaning any conditions, illnesses or disabilities which are not listed in the table of Diagnosed Covered Conditions in the policy certificate.

2. Inappropriate use of alcohol or drugs meaning the Insured Person’s mother’s inappropriate use of alcohol or drugs, which includes the following: (i) Consuming more alcohol than recommended by the General Medical Council. (ii) Taking an overdose of drugs, whether lawfully prescribed or otherwise. (iii) Taking Controlled Drugs (as defined by the Misuse of Drugs Act 1971) otherwise than in accordance with a lawful prescription.

3. Self-inflicted injury meaning death or injury resulting directly or indirectly from the Insured Person’s parent or that of any carer’s criminal activity, intentional actions, or self-injury.

4. Specially excluded Conditions meaning where your claim is excluded by any Special Condition or other Additional Exclusion or where Diagnosed Covered Condition are removed as stated in the Schedule or detailed in any Mid-Term Adjustment issued after this policy has been sent to you.

5. Unreasonable failure to seek or follow medical advice meaning the Insured Person’s mother’s failure to seek or follow medical advice.

Can I get cover if my 20 week scan is not clear?

This will depend very much on the condition and as every pregnancy is unique please complete the application and we shall get back to you, usually within 48 hours.

What is a clear 20 week scan?

A clear 20 week scan is one where you were not informed by the sonographer, consultant, midwife or other medical professional of any issues or abnormalities at or following the scan.

Age
How old can I be and still buy cover?

You can still purchase EmbryoCare right up until the mother’s 50th birthday.

I am under 18 - can I buy your policy?

The mother has to be over 18 years of age at the time of purchase in order buy a policy.

Residency
I am British but my partner does not have British citizenship, can we purchase a policy to cover us as a couple?

The policy holder is the mother only so as long as you are resident in the UK you can buy the policy.

I live overseas. Can I buy this insurance from you?

Currently, only United Kingdom residents can buy insurance from this website.

Countries where cover is provided

Cover can only be bought in the United Kingdom by a Policy Holder who intends to reside with the Insured Person in the United Kingdom, the European Union, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands during the period of insurance.

The Policy Holder and the Insured Person must be registered throughout the Period of Insurance with a General Practitioner (GP) in the country in which they are a resident.

Cancel
How can I cancel the cover?

If you have paid a single premium to us then the following applies:

You have a right to cancel this policy within thirty (30) days of the Commencement Date.

To exercise this right, please contact OSG Outsource Services Group Limited by post, telephone or e-mail and complete and return the Cancellation Form included with the policy certificate as soon as reasonably practical. We will repay any premium you have paid, free of any charges within thirty (30) days of receipt of the Cancellation Form, unless you have made a claim or fraud is involved in which case no premium will be refunded.

You may cancel this policy at any time after the thirtieth (30th) day after the commencement date of this policy by writing to OSG Outsource Services Group Limited. Any return premium due will be calculated at a proportional daily rate depending on how long the policy has been in force, unless a claim has been made, in which case no refund is payable.

 

If you have been paying regular premiums to us then the following applies:

You have a right to cancel this policy within thirty (30) days of the Commencement Date. If you do cancel within this period we will refund any premium you have paid unless you have made a claim or fraud is involved in which case no premium will be refunded. To exercise this right, please contact OSG Outsource Services Group Limited by post, telephone or e-mail and complete and return the Cancellation Form included with the policy certificate.

You may cancel this policy at any time after the thirtieth (30th) day after the Commencement Date of this policy by writing to OSG Outsource Services Group Limited. If you cancel this policy after thirty (30) days we will not refund any premium you have already paid towards your policy.

How do I make a complaint?

Full details are in your policy document but we would encourage you to first try to resolve any dispute directly with us. If this fails then you can now submit your complaint via the electronic complaint form on the Online Dispute Resolution platform.

Travel
Travel Insurance FAQs

Our travel insurance is provided in association with travel insurance experts, goodtogoinsurance.com. In addition to catering for the needs of mothers to be, there are no age limits and wide parameters of acceptance for those with medical conditions so all family members should be able to obtain cover. For further details please click here.

Get in touch with us today

support@embryocare.co.uk 0800 6444 355 Apply now >

EmbryoCare is a Trading Name of Future Family Limited. Future Family Limited (Company Number 07828098) is an Appointed Representative of Pulse Insurance Limited. Pulse Insurance Limited (Firm Reference No. 308626) is authorised and regulated by the Financial Conduct Authority.

 

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