Our Regulatory Position

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Medicheque Cash Plans Limited is a UK-based product development and licensing business specialising in the design of innovative accident and health insurance solutions, including Medical Recovery Insurance.

Medicheque does not operate as an insurer, broker, intermediary or third-party administrator.

We do not:

• Sell or distribute insurance policies 
• Provide insurance advice or recommendations 
• Arrange or place insurance contracts 
• Handle claims or interact with policyholders 

Our role is strictly limited to the design, development and licensing of insurance products and related intellectual property.

All insurance products developed by Medicheque are:

• Underwritten by authorised insurers, and 
• Distributed and administered by appropriately regulated entities
  in the relevant jurisdiction. 

Insurance products developed by Medicheque are implemented through partners operating within established regulatory frameworks, including oversight by bodies such as the Financial Conduct Authority and equivalent regulators in other jurisdictions.

Responsibility for regulatory compliance, including:

• Product approval 
• Distribution oversight 
• Customer communications 
• Claims handling 

rests with the authorised insurer and its appointed distribution partners.

Medicheque applies a structured and disciplined approach to product design, aligned with recognised product governance principles.

Key considerations include:

• Clarity and transparency of benefits 
• Consistency of policy wording and definitions 
• Alignment of benefits with real-world recovery outcomes 
• Reduction of ambiguity in claims triggers 
• Suitability for target markets and distribution channels 

Our Medical Recovery Insurance framework is designed to support:

• Simplified claims processes 
• Predictable benefit structures 
• Strong customer value perception 

Medicheque is committed to protecting personal data in accordance with applicable data protection laws, including the UK GDPR.

We operate as a data controller in relation to any personal data collected via this website.

We:

• Collect only limited business contact data where necessary 
• Use data solely for legitimate business purposes 
• Do not sell personal data 
• Implement appropriate technical and organisational security measures 

For further details, please refer to our Privacy Policy.

All product designs, methodologies and materials developed by Medicheque, including:

• Medical Recovery Insurance structures 
• Recovery band classifications 
• Schedules of medical procedures and benefits 
• Policy wording frameworks 

are proprietary intellectual property.

These materials are licensed to insurers and partners under formal agreements and may not be reproduced, adapted or commercialised without authorisation.

Medicheque supports insurance partners across multiple jurisdictions.

Products are adapted and implemented in accordance with:

• Local regulatory requirements 
• Market-specific distribution models 
• Applicable legal and compliance standards 

Local insurers and partners are responsible for ensuring full compliance with all regulatory obligations in their respective territories.

Our approach is based on:

• Clear separation of roles between product design and regulated activities 
• Partnership with authorised and regulated entities 
• Transparent documentation and governance frameworks 
• Ongoing refinement of product structures to support fair customer outcomes