Health Cash Plans
It’s important not to confuse Health cash plans with private medical insurance policies which are much more expensive and do a very different job. With PMI policies, if you get ill or have a medical problem then you automatically get private treatment paid for you.
Healthcare cash plans are insurance policies that instead of covering you for unforeseen, unpredictable events like most other types of insurance, help you pay for the cost of routine healthcare. Such as appointments for a dental check-up, getting your glasses from the optician, physiotherapy and sometimes even massages can be included.
Healthcare cash plans cover a number of different treatments. Here are some of the most common, but check your policy for the full rundown.
Dentist: Both checkups and dental treatments, including seeing the hygienist.
Optician: Eye tests and prescription glasses or contact lenses. Some providers exclude disposable contact lenses.
Chiropody: Foot treatment and advice.
Physiotherapy: Sometimes coupled with osteopathy.
Maternity payments: Cash, paid when a child is born.
Complementary health: Osteopathy, chiropractic, homeopathy and acupuncture by a registered practitioner.
Hospital inpatient: Cash paid for each night spent in hospital.
Hospital parental stay: Cash paid when a parent spends the night in hospital with an ill child.
Special consultation: Repayment of fees paid towards a consultant physician or surgeon.
Personal accident, death and funeral benefits: Cash paid out in the event of accident or death.
NHS prescriptions: Cash back on the cost of a limited number of prescriptions (not commonly included).
Health screening: Schemes will pay for an annual health screening.
Others: Surgical or hearing aids, redundancy payouts, mental health payouts, day surgery, recuperation grants, occupational therapy, diet advice, paternity grants, adoption grants, infertility grants. Many providers also have help-lines for a range of subjects.