Health cash plans

Providing cash sums towards everyday healthcare bills

Health cash plans and dental insurance can help with healthcare bills. They provide limited cash sums towards everyday healthcare bills. Different policies cover one or a combination of healthcare such as dental care, optical care, physiotherapy, or stays in hospital.

Some policies have age restrictions and will only cover you if you are under a certain age (often 65). If you’ve had health problems in the past (pre-existing conditions), the cash plan may not pay out on certain types of healthcare. Some plans also apply qualifying periods which means that they will not pay out towards any treatment undergone in the first few months of the policy.

Dental insurance is a type of health cash plan that focuses on dental care. Most of these pay for treatments such as crowns, root canal work, bridges and dentures up to an agreed maximum each year. If your teeth are in good health you can also take out a capitation scheme where you pay a monthly fee in return for check-ups, regular treatment, X-rays and extractions.

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