Health Cash Plans

Health cash plans can be used to cover yourself only, yourself and your spouse or a plan for your whole family including cover for your children.

There are a wide range of products available to suit every budget.

You can choose from a very basic plan which has only small monetary limits and covers only a few expenses such as dental and optical to those providing cover for every possible event.

Many policies provide you with the flexibility to tailor the policy to your specific requirements.

Typically, dental plans will include a very long list of limits. Each type of treatment usually has a per claim limit paid out for each treatment claim and a separate per annum limit for the amount paid for the treatment during a policy year.

A health cash plan will only help with the cost of treatment, not its provision, so you still have to seek out the treatment yourself.

Most do not cover all your expenses, only a proportion, and each benefit has an annual limit. Different policies refund different amounts, usually between 50% and 100% of the bill, up to a pre-set limit.

Almost all treatment cash policies have a waiting period of three to six months before you can begin to claim benefits, which rises to ten or twelve months for maternity and paternity claims.

Some plans will not cover expenses relating to any pre-existing medical condition. Others will exclude any conditions in existence in the two years prior to the start of your policy.

Health cash plans are not private medical insurance. Health insurance pays for treatment and operations performed privately where cash plans complement the NHS or private treatment by providing a rebate of sorts for everyday healthcare expenses.

Some choose cash plans as an alternative to an affordable health insurance plan, others have both.

Premiums tend not to increase with age as they do with health insurance quotes. However, you may have to enrol several months prior to claiming on the health cash plans and receiving treatment.

Due to the health risks associated with smoking, if you have smoked tobacco in the past 12 months the quotes may have inflated premiums to take account of the increased likelihood of requiring treatment.

Plans range from a very basic level with limited cover to a comprehensive plan with all the added extras. The monthly budget you wish to spend will decide on the level of cover, the more comprehensive the cover you choose the more expensive the quotes will be.

Individual treatment cash plans provide cover for yourself only, because individual cover protects only you the plan will be cheaper than buying a family policy. Buying a family policy allows you to cover your spouse and children under the same plan.

In addition to individual and family plans you can opt for couple cover which will protect yourself and your spouse. If you would like quotes for couple cover or a family cash plan you must fill out the additional fields at the end of the quote engine.