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Healthcare cashplans 2009 discussion

edited 22 February at 10:42AM in Health & beauty MoneySaving
120 replies 45.9K views
Former_MSE_LawrenceFormer_MSE_Lawrence Former MSE
975 Posts
edited 22 February at 10:42AM in Health & beauty MoneySaving


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  • nikki1520nikki1520 Forumite
    510 Posts
    Part of the Furniture 100 Posts Combo Breaker
    Just noticed Westfield have a special offer waiving the exclusion period at the minute - I'm very tempted!!
  • GemmzieGemmzie Forumite
    14.9K Posts
    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.
    No longer using this account for new posts from 2013
  • AmimarshAmimarsh Forumite
    4 Posts
    WE have been with Medicash for many, many years, and it is rare that we do not get back mostof what we pay out.
  • silvergirlsilvergirl Forumite
    69 Posts
    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
  • tots19tots19 Forumite
    1 Post
    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.
  • lpooltlpoolt Forumite
    41 Posts
    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?
  • Does anyone know the best healthcare plan for claiming for the costs of homoeopathy and acupuncture?
  • 1jim1jim Forumite
    2.7K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    I was looking at family cover,,,are the payout limits per person or total maximum that can be paid out between all the family?
  • greciansgrecians Forumite
    2 Posts
    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!
  • edited 7 June 2009 at 8:42PM
    georgia1georgia1 Forumite
    77 Posts
    edited 7 June 2009 at 8:42PM
    lpoolt wrote: »
    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
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