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Health cash plans are a low cost health plan that pays cash sums towards the cost of a wide range of treatments, they are geared towards the everyday health expenses we all have to meet.
Cash sums are paid if you have to go into hospital, see a specialist, visit the dentist or require alternative therapies such as homeopathy, acupuncture or physiotherapy.
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Who do you want to cover?
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.
What level of cover?
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. What is not usually covered?
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 insurance?
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.
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If you are looking for treatment cash plans and need some guidance let us know. If you just require personal quotes comparing all the market leading insurers then complete the quote form below.
Call us on 0800 612 7897 or email.
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Also known as | health cash plans| treatment cash plan |
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