Healthcare cashplans 2009 discussion

larder

Hi, We have been with Simply Health cash plan for some years, but wondered if these are good value for money. Does anyone have any experience of these, or a better alternative?

Thanks

Cavemanu

hi there it would be useful for you to outline your monthly premium (single person/couple/family) and benefit levels (100%/75%/50% & annual limits by claim category) to really be able to let you know.

hth

abbijoe

Could anyone advise me of where to start looking. Basically I am 57 years old, married with no dependents and in good health. There has been family health issues recently, hence my focus on this topic.

donkingkong

A_Phoenix_of_Tangerine wrote: »

Thanks, I've been shopping around for a couple of hours now, for a cash plan that offers the best value for optical and dental treatment, and Engage Mutual actually won hands down. They offer 100% cash back on dental and optical treatments, (up to £200 each) for paying in £18 a month (totaling £216 a year). Since I already know I need contact lenses for astigmatism, and I'll also be needing dental work to be carried out, this could save me quite a lot.

None of the other companies come close, from what I've found so far. :money:

Same here. £14 per month for me so £168 a year. £150 a year on DaySoft contact lenses and a £20 NHS dental checkup each year. Breakeven each year plus cashflow benefits. Any other dental treatment or similar in a year and end up in profit. Good people.

gizz_mo

RunningMan wrote: »

My dentist has advised me to have a crown on one of my teeth costing £209 if I go with the NHS option of £350 odd if I go private. She said it wasn't urgent and to make an appointment when I felt I could afford it.

However, I'm thinking of making an appointment then taking out Medicash's £36 a month plan, claiming pretty much straight away then cancelling the cash plan having paid only 1 or 2 of the £36 payments.

There doesn't seem to be anything stopping me doing this - pre-existing conditions are covered and there's no waiting period before claiming.

Am I missing something? Seems to good to be true!

If the cost is more than the £230 maximum claim I presume they still pay the £230?

https://www.medicash.org/personal-health-plan/get-a-quote.aspx

Hey Running Man - how did this work out for you in the end? Did you have any issues with the claim?

turtle-tortoise

Thinking of switching from BHSF.

Would welcome suggestions.

A GP helpline would be useful not essential though.

Thanks.

Dreamgirl10

Hi All, I just want to let you know about my experience with Medicash...
I had a policy and was happy until they contacted me in the middle of my policy year to say they were ending my policy as I had claimed too much and its not sustainable for them as a company to have me as a customer anymore. I was on their level 4 plan and had kept within the benefit limits and never missed a payment so clearly the limits they are offering are not real if a customer actually wants to claim.I contacted them and asked why if it unsustainable to their business if the policyholder claims to the limit of a benefit then why offer the benefit limits they do on the policy? And they answered that: "We would not be treating customers fairly if we continued to pay claims for a very small percentage of customers who claim far more than we would expect" However I kept within the claiming limits they set and they offer on the policy, so surely I've paid for a service I didn't receive? So I want to warn everyone about Medicash and be wary about policy limits if you do get a policy with them.

koru

Dreamgirl10 wrote: »

Hi All, I just want to let you know about my experience with Medicash...
I had a policy and was happy until they contacted me in the middle of my policy year to say they were ending my policy as I had claimed too much and its not sustainable for them as a company to have me as a customer anymore. I was on their level 4 plan and had kept within the benefit limits and never missed a payment so clearly the limits they are offering are not real if a customer actually wants to claim.I contacted them and asked why if it unsustainable to their business if the policyholder claims to the limit of a benefit then why offer the benefit limits they do on the policy? And they answered that: "We would not be treating customers fairly if we continued to pay claims for a very small percentage of customers who claim far more than we would expect" However I kept within the claiming limits they set and they offer on the policy, so surely I've paid for a service I didn't receive? So I want to warn everyone about Medicash and be wary about policy limits if you do get a policy with them.

Interesting. I must have claimed £2000 each year for the first 3 years I was with them (about 3 times my premium). They never kicked me out. But the last year, they are making a profit on me.

Unichick21

Hi. How did this play out? Did/can you claim for the dame treatment with more than one policy (with different companies) with no repurcussions? I am thinking of doing the same thing and would like some advice. I don't want to commit a crime.

atruefaker

Hi All

I've done a lot of looking at cash plans recently as Medicash are no longer competitive and lots are now offering optical/dental over 2 year periods (not 1 year). I found The Exeter was the best around.

I hope this helps someone.