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  • FIRST POST
    • davidshaw565
    • By davidshaw565 13th Oct 18, 11:01 AM
    • 7Posts
    • 1Thanks
    davidshaw565
    Health Cash Plan
    • #1
    • 13th Oct 18, 11:01 AM
    Health Cash Plan 13th Oct 18 at 11:01 AM
    Hey folks,

    Hope you are doing well.

    I have recently taken out a Health Care Cash Plan with HSF on the 7th September 2018.

    I have read their Terms and Conditions within the policy but it is made very contradictory and confusing. I understand there is a waiting period of 3 months for some benefits such as Physiotherapy, Chiropractor and Specialist Investigations.

    Regarding the waiting period for 3 months that is applied to most benefits, is this the period of time before any claims can be paid. For instance if i joined the policy on 7th September 2018 and had treatment for Physiotherapy on the 8th October 2018, can i save this receipt and claim for this after the waiting period has expired?

    If anyone has more knowledge on this i would be so thankful. Thank you so much for your time and help.

    Best Wishes,

    David
Page 1
    • Caz3121
    • By Caz3121 13th Oct 18, 11:25 AM
    • 11,504 Posts
    • 7,521 Thanks
    Caz3121
    • #2
    • 13th Oct 18, 11:25 AM
    • #2
    • 13th Oct 18, 11:25 AM
    generally with a waiting period, any treatment in that period would not be reimbursed. Any treatment before 7th December would be at your cost and not reimbursable
    • dunstonh
    • By dunstonh 13th Oct 18, 11:38 AM
    • 95,373 Posts
    • 63,000 Thanks
    dunstonh
    • #3
    • 13th Oct 18, 11:38 AM
    • #3
    • 13th Oct 18, 11:38 AM
    And often, any treatment on a condition that existed before application will not be covered in the future. So, say you have a followup treatment next year, that won't be covered either. (I havent read the T&C of yours. Just answering on a generic basis of what you would expect)
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Quentin
    • By Quentin 13th Oct 18, 7:29 PM
    • 37,524 Posts
    • 21,732 Thanks
    Quentin
    • #4
    • 13th Oct 18, 7:29 PM
    • #4
    • 13th Oct 18, 7:29 PM
    Not a recommendation but consider simply health cashplan.

    No qualifying period for most claims (Inc dental/optical/physio/chiropody), covered from day you join. (Eg dentist appointment and bill covered if you join same day)

    Covers repeat claims for same conditions

    Plus leave at any time without penalty irrespective of any claims during period of cover
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