Terms of Use

Last updated: April 2026

Terms of Use

By accessing this website, you agree to the following terms.

1. About Us

This website is operated by Medicheque Cash Plans Limited, a UK-based consultancy specialising in insurance product development and licensing.

2. Use of Website

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of others.

3. Intellectual Property and Restricted Use

All content, materials and concepts made available on this website, including but not limited to:

• Medical Recovery Insurance product structures 
• Recovery band methodology and classification systems 
• Schedules of medical procedures and associated benefit structures 
• Policy wording frameworks and underwriting logic 
• Commercial models, pricing concepts and product design principles 
• Text, graphics, branding and documentation 
• (collectively, the “Materials”) are the proprietary intellectual property of Medicheque Cash Plans Limited or its licensors and are protected by applicable intellectual property laws.

Permitted Use

You may access and use the Materials solely for:

• General information purposes; and 
• Evaluating a potential commercial relationship with Medicheque 

Restricted Use (Non-Replication)

Without the prior written consent of Medicheque, you must not:

• Copy, reproduce or distribute the Materials in whole or in part 
• Adapt, modify, reverse engineer or derive works based on the Materials 
• Use the Materials to develop, structure or support any competing or similar insurance product or solution 
• Extract or recreate underlying methodologies, benefit structures, or product logic 
• Use any part of the Materials for commercial purposes outside a formal agreement with Medicheque 

Non-Circumvention / Non-Compete (Light)

You agree that you will not, directly or indirectly:

• Use insights, knowledge or concepts obtained from this website to design, launch or support a competing product or service that is substantially similar to the Medicheque offering; or 
• Circumvent Medicheque by using the Materials with third parties to replicate or commercialise a similar product structure 

Reservation of Rights

All rights not expressly granted are reserved.

No Licence

Nothing in this website grants any licence or right to use any intellectual property of Medicheque except as expressly set out above.

4. No Advice

The information provided on this website is for general information only and does not constitute:

• Insurance advice 
• Legal advice 
• Financial advice 

5. Limitation of Liability

To the fullest extent permitted by law, Medicheque shall not be liable for:

• Any indirect or consequential loss 
• Reliance placed on website content 
• Business losses arising from use of this website 

6. External Links

We are not responsible for the content of third-party websites.

7. Changes

We may update these terms at any time without notice.

8. Governing Law

These terms are governed by the laws of England and Wales.