What is the difference between a health cash plan and private medical insurance?
Private medical insurance provides treatment for unexpected, more expensive health issues. Whereas cash plans help you to budget for your everyday healthcare costs and can help prevent more serious health issues from arising.
Even the most affordable private medical insurance scheme will cost several hundred pounds a year more than a health cash plan, which can start from around just £10 a month. The price of a cash plan is also not affected by your age, unlike private medical insurance where this is a factor used to decide your premium.
What does a cash plan cover?
Cash plans help you budget for the cost of visiting the dentist, optician, physiotherapist and a number of other healthcare professionals. You pay a monthly premium, and then claim back the cost of those visits, up to your annual payment limits. Plus, you don't need a GP referral so you can be seen straight away.