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Question about SimplyHealth Cash Plan - Child Benefits
don9999
Posts: 598 Forumite
Am thinking of taking a SimplyHealth Cash Plan for my wife and children (I am already covered by BUPA through work).
It costs just £11.50pm, less £26.25 cashback on TCB and a £35 M&S voucher.
So total annual cost of £76.75.
Now this would easily be spent on dental and opticians checkups, never mind if extra dental treatment was required, or glasses bought etc...
So seems like a no-brainer.
Am very surprised that MSE don't mention SimplyHealth on their comparison page: http://www.moneysavingexpert.com/insurance/healthcare-cash-plans
Since the price/benefits seems better than the ones that ARE quoted.
(Funnily enough, SimplyHealth's Over-70 plan IS mentioned...)
Anyway, my question.
Does anyone know what level of benefits are provided for the 'included children'?
The SimplyHealth site states:
Free cover for up to four children (under the age of 18) at the same level of cover as you
But am not sure if that means each child gets the SAME level of cover as the adult eg. Adult and all children EACH get £95 of dental costs, or, that everyone shares the level of cover eg. adult and children share the £95 between them.
It seems different companies apply this condition differently. eg. per MSE's comparisons:
Benenden: Child benefits - Children share the overall benefit of adults.
WPA: Child benefits - Children have their own limits matching those of an adult.
But its not clear which definition that SimplyHealth applied.
Does anyone know for certain?
It costs just £11.50pm, less £26.25 cashback on TCB and a £35 M&S voucher.
So total annual cost of £76.75.
Now this would easily be spent on dental and opticians checkups, never mind if extra dental treatment was required, or glasses bought etc...
So seems like a no-brainer.
Am very surprised that MSE don't mention SimplyHealth on their comparison page: http://www.moneysavingexpert.com/insurance/healthcare-cash-plans
Since the price/benefits seems better than the ones that ARE quoted.
(Funnily enough, SimplyHealth's Over-70 plan IS mentioned...)
Anyway, my question.
Does anyone know what level of benefits are provided for the 'included children'?
The SimplyHealth site states:
Free cover for up to four children (under the age of 18) at the same level of cover as you
But am not sure if that means each child gets the SAME level of cover as the adult eg. Adult and all children EACH get £95 of dental costs, or, that everyone shares the level of cover eg. adult and children share the £95 between them.
It seems different companies apply this condition differently. eg. per MSE's comparisons:
Benenden: Child benefits - Children share the overall benefit of adults.
WPA: Child benefits - Children have their own limits matching those of an adult.
But its not clear which definition that SimplyHealth applied.
Does anyone know for certain?
There are 10 types of people in the world. Those who understand binary, and those who don't!
0
Comments
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I read it as each person has their own limit.
The policy also refers to the "annual limit for each person"0
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