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**MSE Lawrence** · 19-05-2009, 12:48 PM

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nikki1520 · 03-06-2009, 8:51 AM

Just noticed Westfield have a special offer waiving the exclusion period at the minute - I'm very tempted!!

Gemmzie · 03-06-2009, 11:35 AM

I've had a BSHF (formally Foresters) health plan for a few years now. I pay quite a high premium but as I've had several hospital admissions and don't get paid sick (part-time worker) so it's really helped me out. I've broken even or made a profit every year.

Amimarsh · 03-06-2009, 12:55 PM

WE have been with Medicash for many, many years, and it is rare that we do not get back mostof what we pay out.

silvergirl · 03-06-2009, 3:19 PM

I have had a Westfield plan for several years now. They are helpful, quick and I have never had any cause to complain about their service. It's excellent and well worth it. Highly recommended

tots19 · 03-06-2009, 3:41 PM

I have been with Westfield since 1978....OMG thats 31 years. I've never had a problem with my claims. Although in all fairness, I don't stay with them to 'make' money - I don't think anyone should. But they're there when I need them. I don't often claim for optical or dental treatment, unless its something major, as many claims from many people will result in higher premiums. But I do claim for expensive treatments, like Chiropractor therapy.

lpoolt · 03-06-2009, 6:32 PM

I was looking at the BHSF value plan for individuals. I would be getting the plan to reimbruse dental and opticians costs. However, I'm confused.

On this page: http://www.bhsf.co.uk/personal/choicestables.jsp?type=v it says that 'Value plan benefits are paid at 50% reimbursement of the receipt value up to the maximum benefit every benefit year, unless otherwise stated.' So does that mean that if I have dental treatment and it comes to £100 that they'll only pay £50 (50%) back?

If this is the case then why does it say further down the page beside the dental benefit '100% reimbursement of the cost up to the appropiate maximum'? Isn't this saying that it'll basically pay me back anything I have paid on treatment up to a maximum of £100 in a year?

I'm confused as the two things seem to be contradicting each other unless I'm just reading it wrong?

flippingheckerslike · 03-06-2009, 8:52 PM

Does anyone know the best healthcare plan for claiming for the costs of homoeopathy and acupuncture?

1jim · 03-06-2009, 10:39 PM

I was looking at family cover,,,are the payout limits per person or total maximum that can be paid out between all the family?

grecians · 04-06-2009, 3:42 PM

I have a policy with WPA, only one month qualifying period. Also one can get cover for Cancer Drugs, cover abroad and cosmetic surgery - seems to offer quite a bit more than most cash plans although WPA did not get a good listing!

georgia1 · 04-06-2009, 8:27 PM

Quote:

Originally Posted by lpoolt

I was looking at the BHSF value plan for individuals. I would be getting the plan to reimbruse dental and opticians costs. However, I'm confused.

On this page: it says that 'Value plan benefits are paid at 50% reimbursement of the receipt value up to the maximum benefit every benefit year, unless otherwise stated.' So does that mean that if I have dental treatment and it comes to £100 that they'll only pay £50 (50%) back?

If this is the case then why does it say further down the page beside the dental benefit '100% reimbursement of the cost up to the appropiate maximum'? Isn't this saying that it'll basically pay me back anything I have paid on treatment up to a maximum of £100 in a year?

I'm confused as the two things seem to be contradicting each other unless I'm just reading it wrong?

As I understand this, the benefits listed are paid at 50% reimbursement unless it says otherwise (ie unless it says something different), which in the case of dental treatment it does. You can get 100% reimbursement up to a max of £100 for that.

Incidentally, if you primarily want cover for dental and optical bills you might also like to consider Engage Mutual. They also up to 100% cash back for both of these - for dental up to £110 a year and for optical £125 (gold level cover).(The £125 for optical is over 2 years, so presumably if you claim it all in the first year, you can't claim again in the 2nd year. However, this only applies to the optical cover, not the dental. Probably if you don't go to the optician more than once every 2 years it's not going to be an issue).

This level of cover costs £10.50 a month and they are offering a £10 Love to Shop voucher if you take out a policy. There's also £25 cash back through Quidco at the moment. I have no connection with them other than having just done some research into Healthcare cash plans for myself, prior to Martin's article and taking out one of these policies because it seemed to suit my needs best.
HTH

JHWilts · 05-06-2009, 12:15 PM

Be aware that if you start claiming a lot and for all of the benedits the Company reserves the right to cancel your policy and / or move you onto a policy that might not be as good.

daphnelaurier · 05-06-2009, 1:16 PM

Could someone tell me which health club they would give discounts on (nottingham area)?

I'm tempted to join but need more info to make up my mind

Many thanks

phiwinuk · 06-06-2009, 9:40 PM

Can't say that I can see a plan on Westfield that matches what's mentioned in the newsletter. Given that I'm mostly looking for something that pays back on routine dental care it doesn't look brilliant.

candy26 · 07-06-2009, 12:48 AM

Hi, I am currently in full swing of a fixed brace to straigthen my teeth. I am having it done privately and paying as I go. I arranged prior to treatment with the consultant the price of £4000.
I have had the brace on for 3 months and can expect another 3-9 months.
Does anyone know if I can open a plan which I am able to claim back some of the costs??

katie-lou · 07-06-2009, 8:46 AM

I currently pay monthly for dental treatment to a private dentist which covers the cost of twice yearly check ups, would I be able to claim anything back for this?

eric the red · 08-06-2009, 12:05 AM

WPA is an excellent option. Their HTU cashplan was Insurance Product of the Year across the board, not just for private medical insurance plans. If you take WPA's HTU (Health Top Up) plan level 2 at £15.00 per month, or £180.00 per year, you can claim up to a massive £3,070.00 per year. That is a Value Rating of 17.05 by my reckoning.

RegularJoe · 08-06-2009, 12:57 PM

While these are good plans, one of the oldest is missing!
HSF health plan is a good value plan and covers the whole family including as many children as you have for one low price. I currently have a plan that costs just £6 month and I can claim (if needs be) up to £1400 a year!!!!!

mooner76 · 09-06-2009, 11:40 AM

I'd say check the percentage payback amount... are you getting 100% or 75% or 50% payback on your claims

and also the total you could claim on certain benefits... I get loads on Physio from Westfield - over a grand a year... it's a lot less on some of the other plans i looked at - they've got immediate benefit at the minute which is a bonus as well

Alexjl · 09-06-2009, 2:11 PM

A lot of these plans pay out to cover opticians and dentists (a service I use twice yearly so would definitely claim back every year.) If I was registered with 4 plans could I claim 4 times for my dentist and optician bills (once on each plan) all of which equal higher than my premiums on each plan, therefore I would be profiting on each plan each year? (Is this legal or fraud? I don't want to do anything illegal.) Would I need to supply original receipts, not copies.