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    • AD13
    • By AD13 2nd Mar 17, 10:51 AM
    • 25Posts
    • 10Thanks
    Healthcare cash plan - pre-existing conditions
    • #1
    • 2nd Mar 17, 10:51 AM
    Healthcare cash plan - pre-existing conditions 2nd Mar 17 at 10:51 AM

    Does anyone know of any healthcare providers that offer a cashplan that includes pre-existing conditions and if so, how much it is per month?

    My partner spends alot on physio for a recurring back problem, and we thought it would be more cost-effective to use a cash plan, however all the ones we've found either exclude pre-existing conditions for physio, or only pay up to 50% of the session.

    We're looking for a plan that offers 100% cashback for those who may have seen a practitioner in the past.

    Thanks in advance!
Page 1
    • GlasweJen
    • By GlasweJen 2nd Mar 17, 1:23 PM
    • 6,555 Posts
    • 11,822 Thanks
    • #2
    • 2nd Mar 17, 1:23 PM
    • #2
    • 2nd Mar 17, 1:23 PM
    No, I have Westfield and they have it as a term in my policy that they won't cover conditions diagnosed or investigated before July 2008 when I took out the policy.
    Bounts, Quidco, Shop and Scan, Receipt Hog, Costco Cashback, Debit card cashback

    (unless it's on offer and can get my loyalty points)
    • AD13
    • By AD13 2nd Mar 17, 1:48 PM
    • 25 Posts
    • 10 Thanks
    • #3
    • 2nd Mar 17, 1:48 PM
    • #3
    • 2nd Mar 17, 1:48 PM
    Thank you - seems it's quite rare!
    • Alk
    • By Alk 13th Sep 17, 9:20 PM
    • 4 Posts
    • 1 Thanks
    • #4
    • 13th Sep 17, 9:20 PM
    • #4
    • 13th Sep 17, 9:20 PM
    • Unite Health Cash Plan covers pre-existing medical conditions. I've spoken to them at length about it and there doesn't appear to be any catch.
      However, it doesn't cover 100% of the cost of physio, you can look into that on their website.
    • Also look at Benenden (who do cover 100% of the cost for physio), but you need to also add on the cost of being a Benenden member to their health cash plans. Therefore, it depends on your circumstances and what level of cover you would benefit from.

    For reference, just to add further plans that I have found, which cover pre-existing medical conditions (some are subject to qualification period - look into this):
    • Bupa Health Cash Plan
    • Simplyhealth
    • BHSF
    • Sovereign Health Care
    • Saga
    Last edited by Alk; 11-11-2017 at 11:34 PM. Reason: Add additional plans
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