Health cash plans
In the United Kingdom, a health cash plan[1] is a health insurance product that helps people cover any everyday healthcare needs by providing cashback on a range of health benefits including dental and optical.
They are an easy and affordable way to manage the soaring health costs that can affect a family.
Health cash plans are generally available via an employee benefits system, but can also be signed up to on an individual basis based on one's personal needs.
The treatments available for cashback on health cash plans can vary depending on the provider,[2] but generally can include eye tests, new prescription glasses, dental check-ups, and physiotherapy treatments.
Schemes
Most health cash plans will allow people to cover themselves, their partners and any dependent children (free)[3] and allow them to claim cash back up to their annual allowance based on the monthly amount they pay in.
There are a number of schemes available depending on the company, and the annual allowance is related to the amount paid in. For example, Health Shield[4] offers cash back for the following everyday health costs:
- Dental
- Optical
- Chiropody
- Prescriptions
- Hospital Benefits
- Parental Hospital stays
- Specialist Consultation, ECG, X-ray, Pathology Fees and MRI Scans
- Health & Wellbeing
- Health Screening
- Fitness & Exercise
- Online Health Assessment and Personal Coaching
- Dental Accident
- Physiotherapy, Chiropractic, Osteopathy, Acupuncture & Homoeopathy
- Maternity - Antenatal Appointment and Adoption
- Personal Accident Protection
- Health, Legal & Counselling
- 24/7 Counselling and Support Helpline
- Virtual GP Surgery and Private Prescription Service
Claiming
Claiming varies between companies, but they are usually no quibble, which means you only need a receipt from a registered practitioner and enough balance on your annual allowance.
References
- ↑ "Health Cash Plan definition".
- ↑ "Health Shield - provider of Health Cash Plans".
- ↑ Dependent children are covered for free by Health Shield. "Connect - Health Cash Plans from Health Shield".
- ↑ "Health Shield Health Cash Plans".