If you're keen to construct a comprehensive private health insurance plan around your life, you'll be interested in finding out all the ways in which you'll be able to cover yourself. For instance, your existing health insurance plan may cover you in the event that you need a private operation - but does it cover you for the cost of everyday health expenses, such as dentistry and physiotherapy?
A cash plan can help you with these basic personal healthcare costs - and in doing so, will help you maintain the impetus to remain healthy and active. After all, while you might have to undergo one serious operation in your lifetime, the costs of routinely maintaining your state of health could accrue much higher costs over a longer period of time. It's widely considered that everyday health expenses are on the up, and these can include dental care, optical treatment, hearing aids, specialist allergy testing and even alternative therapies, like acupuncture or homeopathy.
By paying a small monthly sum, a cash plan will give you money back towards the cost of such healthcare treatments. The process is simple: with most health cash plans, you'll only need to retain your receipt upon payment of any health treatment and then notify your insurer, who will send you a claims form which you'll have to send back before you receive your money.
If you're thinking about taking out a cash plan, you'll find that there are a number of benefits available. You won't need to undergo a medical before joining or give your medical history and children are often included at no extra cost when one or more of their parents are covered – also, premiums usually do not increase with age.
Many health insurance providers that offer cash plans, also offer a range of other medical insurance plans such as comprehensive medical insurance policies and plans for specific conditions - so if you've got bad eyesight, for example, you might be able to adjust your health plan to accommodate a bias towards optical care. Alternatively, if you're over 50 or you run a business, you'll be able to alter the benefits of your cash plan to suit your own personal circumstances.
Ultimately, many cash plans incorporate a wide range of benefits such as childbirth benefit, lifestyle assessment benefit and some include access to a freephone healthcare and stress counseling line. Remember, cash plans should not be equated to private medical insurance - they complement both the NHS and private medical insurance policies - so they're easily integrated into any health regime!
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