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.


Optical

Eye tests, prescription glasses, contact lenses and prescription sunglasses

Dental
Check-ups and treatments including crowns, bridges and fillings as well as hygienist fees

Complementary therapies
Physiotherapy, osteopathy, chiropractic, acupuncture and homeopathy treatments


Chiropody / Podiatry
Treatments for your feet

 

Other benefits may also be available, depending on which cash plan you choose.

If a health cash plan sounds right for you, find out more about our Simply Cash Plan which has 4 levels of cover to choose from, starting from just £11.88 per month.

What does private medical insurance cover?

Private medical insurance covers the cost of diagnosing and treating a variety of illnesses, allowing you to be treated privately and under certain policies, at the hospital you choose.


Diagnosis
If you're feeling unwell, you can have your illness diagnosed quickly. You should see your GP and contact your private medical insurance provider, and they will arrange a referral if required.

This includes tests such as x-rays, blood tests and scans.

Treatment
If you've been diagnosed with an illness, private medical insurance can ensure that you receive the necessary treatment to get better.

This could include surgery, drugs
and psychiatric treatments.

Some policies will cover heart conditions and cancer under treatment, on others this may be a separate module.


Depending on the type of policy you buy, pre-existing medical conditions may not be covered and other exclusions may apply.

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Discuss your healthcare options by calling us free on

0800 197 6999

Mon to Fri: 8am to 8pm
Sat: 9am to 5pm

Already a customer?

Call customer services on 

0370 908 3481* 

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Sat: 9am to 5pm

or contact us

*Calls to 03 numbers are no more expensive than calling numbers starting with 01 or 02 and are included in free call packages from landlines and mobiles.

Health Cash Plans for Your Business

If you would like to talk to us about your business' healthcare needs call us on

0300 100 1191 *

Mon to Fri: 8.30am to 5.00pm

Request a call back

*03 calls cost no more than 01 and 02 calls and are included in free call packages from landlines and mobiles

Simply Cash Plan - SimplyhealthGet cash back towards healthcare bills with our Simply Cash Plans.


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