Healthcare Cashplan Discussion Area

System

Anyone recommend healthcare cash plans with good funeral benefit, and how do these compare with prepaid funeral plans and life insurance in this regard?

ksh123

thank you Rod

stevenrk

I have read this article, a number of times and I still don't see why this is a good idea?

I would only be interested in dental, I am covered by work for everything else. My dentist insists I only need to go once a year. I am a private patient, so a check up costs me £40 a time. So I spend £40 a year on dental. If I get one of these policies, even a cheap one, it will cost me £6 a month or £72 a year. So it would cost me £32 more a year.

Where is the value in that? what am I missing?

vannylake

I'm thinking the same, can't see the benefit.  I go to the dentist twice a year costing £40 a time and optician every other year but the cheapest policy costing £72 a year will only pay out £40 a year on dentist and as I only go every other year to the optician I can't see it would be worth my while.

System

If you are only claiming for dental care then it probably isn't good value. However there is often optical and cover for therapies and seeing consultants quicker than on the NHS. In some cases you can also get money back for health screening. Given the latter can cost £400 (of which you can get back around £200 on some schemes) you can quickly cover the cost of any subscription.

Just think about what you are likely to use it for. In my case I use them for prevention i.e. I go for more regular dental and optical check ups than I did before. As well as health screening every two years. Hence I do end up saving money.

Cheers,

Rod

I_Robertson

Hi,

Can anyone tell me if Healthcare cashplans offer nursing in the home care?

If yes, can I take out a policy in my name (age 33) covering myself and an elderly parent?

I used to be in BUPA with my work and noted parents weren't covered, only spouses and children - does that still stand?

Any information would be much appreciated.

fr.marcus

Dear Martin,

I'd like to take a cashplan out for my parents, aged 65/66. Is it just Forrester that can accommodate at this age?

Thanking you for your kind attention (and this very useful site!)

fr.marcus

BaritoneUK

I am not sure if any of these cashplans are that amazing. Or is it me?

At the moment I go to Boots for my dentist (of course they are closing that- but my dentist plans to set up himself). I would like to stay private as it is such a good service- however the cost is putting me off. I saw on money supermarket a deal for dental insurance which would cost about £5.50 a month which would cover all my checkups and any fillings- basically everything except really serious problems. This sounded good. However I would really like something that would cover dentist, eye tests, glasses, contact lenses and prescriptions.

At the moment I have 2 dental checkups a year costing £35 each. On top of that I may have extra stuff done costing another £30. I have an eye test every 2 years. I buy 30 pairs of daily disposables every year (don't use them much) for £40 (trying to get them cheaper) I probably get 8 - 10 prescriptions each year.

This means that I spend £150 ish a year. Most of the cash plans don't really sound that good to me.

Any ideas?

Hayze1980

Having looked at Martin's performance tables I decided to go with Insure-4-less by BHSF. 3 Months worth of payments with no return allowed and then you can start claiming. I was able to start claiming in November. My limit is £200 for me and £200 for the children. My hubby's limit is £400 for him and £400 for the children. This is just on complimentary therapies. We have claimed for everything but we are still nowhere near our limits. Today I received a letter stating that the amount of claims we were putting in for wass not what they would call the avarage and that they would be terminating our policy at the end of the month.

Is there anything I can do? It just doesn't seem right.

as_jacobs

Hi
We have Sovereign health plan through hubbys work (teacher). We signed up thinking great, we can claim back some of our dental/optical. Have just submitted my first claim for some new glasses and on reading the small print - you can only submit one claim each year, ie, you can only submit one receipt for optical, one receipt for dental etc etc. So even though my benefit for optical is 'up to £70', I have to claim that value with one receipt, also remembering that I can only claim 50% of the receipts value. Therefore, If i spent £100 on optical, I can only claim back £50 and make no further claims if i need to replace my glasses this year! They don't tell you this when you sign up!!!