[Reviewed: 21 February 2022]

1. The Mosaic Health Platform

1.1 Please read these terms (the “Terms”) carefully as they govern your use of the Mosaic Platform. In these Terms, you will be referred to as “you” or as a “member”.

1.2 The terms “we, us” means Mosaic Health Administration Ltd, a not-for-profit Trustee to the Mosaic Health Trust Fund, and Mosaic Health Ltd, the owner and operator of the Mosaic Health application and website, (http://www.mosaichealth.io), the Mosaic Mastercard and the services we provide (together, the “Platform”). The registered office of both Mosaic Health Administration Ltd and Mosaic Health Ltd is 85 Great Portland St, London, W1W 7LT. Mosaic Health Administration Ltd's company registration number is 13246119. Companies House documents can be found here. Mosaic Health Ltd's company registration number is 12748409. Companies House documents can be found here.

1.3 By registering on the Mosaic Health application or similar, you confirm your acceptance of these Terms and our Privacy Policy. Do not use the Mosaic Health platform unless you agree to be bound by the Terms and by our Privacy Policy which you can view here.

1.4 We may update these Terms from time to time to make them clearer or to reflect changes in law or practice. If we do that, we will notify members through the Platform. If you do not agree to the changes made to the Terms, you have the right to stop using the Platform. If you continue to use the Platform after the date the changes have been posted, we will infer that you accept the amended Terms.

2. Operation of the Platform

2.1 The Platform is designed to enable members to access healthcare services from professional and licensed clinicians.

2.2 The Platform is designed to top-up the NHS. We do not offer comprehensive health cover, instead providing supplemental access to clinical care.

2.3 The Platform consists of 3 components:

2.3.1 The Mosaic Health Trust Fund. This is a savings fund which pays for healthcare. Members can access the fund using Mosaic Health Technology. The Trust is registered with HMRC here.

2.3.2 The Mosaic Health plan. These are the benefits we offer to our members. We have a standard set of benefits we offer everyone. As the Fund grows, we plan to expand the range of services offered, depending on your needs.

2.3.3 The Mosaic Health Technology. This is how we administer the Trust Fund for you. You access your benefits through the App, and pay for care using your Mosaic Mastercard.

2.4 Members agree that if you need to discuss your plan, the Trust Fund, or your claims, you do so using the Platform.

2.5 The Platform does not provide clinical services. We provide technology and administration services which allow you to access the Mosaic Health Trust Fund for your health needs.

2.6 Clinical responsibility for healthcare services funded by the Mosaic Health Trust Fund rests with the providers of care, and you must agree separately to their Terms and Conditions.

3. The Mosaic Health Trust Fund

3.1 Mosaic Health does not fund healthcare itself. We are an administrator and technology provider, not an insurer.

3.2 We have a model of collective self-financing. Members pool contributions to fund care.

3.3 Membership fees are paid into a ringfenced Trust Fund, which can only be used to fund your healthcare.

3.4 There are three parties to the Mosaic Health Trust Fund:

  1. Participating Entities make financial contributions into the Trust. These are employers.
  2. Members receive healthcare benefits from the Trust. These are employees and their children that are members of Mosaic Health.
  3. The Trustee administers the Trust in accordance with the provisions of the Deed and the Rules.