Cash Plans
Health Cash Plans are an alternative to Private Medical Insurance (PMI) or can be used as an additional benefit in addition to PMI. Most clients use a health cash plan to help with the cost of Dental and Optical costs, however many other benefits are included in health cash plans (they vary from company to company). Personal Accident cover is also sometimes included in a health cash plan.
Below is an analysis of health care cash plans offered by the health insurance providers with whom we currently have agencies. Each health insurance provider has a range of health cash plan benefits and they vary according to the premium being paid. The current minimum and maximum health cash plan benefits are shown; there are often different levels of benefit between these. Each health cash plan has a waiting period before you can claim, this is usually 6 months.
Please click here to find out more about the health insurance providers and request a FREE HEALTH CASH PLAN quotation.
| Insurer | ||||
| Annual Benefits | BUPA | WPA | Healthsure | Westfield |
| Optical | £248 - £47 (50% of costs per year) | £100 - £25 (100% of costs) | £250 - £75 (100% of costs over 2 years) | £240 - £35 (100% of costs over 2 years) |
| Hospital Parental Stay | £560 - £70 (per Week) | No | £60 - £20 per night (50 nights max) | £70 - £10.50 per night (50 nights max) |
| Dental | £304 - £52 (50% of costs per year) | £100 - £25 (100% of costs) | £180 - £70 (100% of costs) | £170 - £22 (100% of costs) |
| Hospital Day Surgery Grant | £80 - £17.50 (per admission) | £120 - £30 (per day per person) | £60 - £20 per day (up to 10 days) | £70 - £10.50 per day (up to 10 days) |
| In-Patient | £560 - £70 (per week) | £105 - £420 (per week 100 nights max) | £60 - £20 (per night 50 nights max) | £70 - £10.50 (per night 50 nights max) |
| Recuperation | Grants of £320 - £60 | No | No | £440 - £50 (after more than 14 days in hospital) |
| Home Help | £1,304 - £163 (50% of costs per year) | No | No | £900 (100% of costs) £625 - £125 (75% of costs) |
| Maternity | £800 - £100 (each child) | £300 - £75 (per child born) | £430 - £135 (per child born) | £350 - £50 (per child born) |
| Consultation | £560 - £70 (50% of costs per year) | £200 - £50 (100% of costs) | £430 - £130 (50% of costs) | £575 (100% of costs) £390 - £70 (75% of costs) |
| Surgical Appliance | £240 - £30 (50% of costs per year) | £200 - £50 (100% of costs) | £420 - £130 (50% of costs) | £335 (100% of costs) £230 - £55 (75% of costs) |
| Physiotherapy Osteopathy Acupuncture Chiropractic | £800 - £100 (50% of costs per year) | £200 - £50 (100% of costs) | £450 - £200 (50% of costs) | £1250 (100% of costs) £850 - £200 (75% of costs) |
| Chiropody | £256 - £32 (50% of costs per year) | £100 - £25 (100% of costs) | £140 - £50 (50% of costs) | £225 (100% of costs) £155 - £35 (75% of costs) |
| Homeopathy | £256 - £32 (50% of costs per year) | £200 - £50 (100% of costs) | £140 - £50 (50% of costs) | £200 (100% of costs) £150 - £35 (75% of costs) |
| GP Fees | No | £40 - £10 (100% of costs) | No | No |
| NHS Prescription Charges | No | 1 - 4 (per year) | No | No |
Please click here to find out more about the health care cash plan Insurers and request a FREE HEALTH CASH PLAN quotation.
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We will be able to advise you on the best plan with the best premium according to your specific situation.
