Hospital cash plan benefits- cheaper than PMI.
Many people are worried about the effects of having medical treatment but are unable to afford the prices of private medical insurance (but see here). Our medical cash benefit plan offers certain fixed benefits should you require medical treatment for a variety of conditions.
Benefits Provided
| 1. Optical | 75% of the amount paid up to the maximum if you are prescribed new spectacles or contact lenses. Not covered are optical-care contract schemes, disposable contact lenses, repairs or other items |
| 2. Sight Test | 100% of the amount paid for a sight test up to the amount shown. This benefit is included in the appropriate maximum for Benefit 1 |
| 3. Dental | 75% of the amount paid up to the appropriate maximum for dentures or dental treatment. Not covered are dental-care contract schemes, repairs or other items. |
| 4. Hospital-Day Case | For each day you are in hospital for diagnosis, investigations or treatment. Not covered is the period imediately before or after an overnight stay covered under Benefit 5, Out-patient attendance at a hospital or GP fund holding practice or if you receive maternity, psychiatric, geriatric, hospice or respite care. Cover is for 10 days in any one benefit year. |
| 5. Hospital - in Patient | For each night you are in hospital, to a maximum of 91 nights in any benefit year. For chronic conditions the benefit is limited to 125 nights overall. Excluding hospital or nursing home accommodation arranged for domestic reasons, hospital leave, the first 6 nights you are in hospital for pre-natal, birth or post-natal reasons. Chemical, alcohol or drug abuse or self inflicted illness or injuries are also excluded. |
| 6. Hospital - Parental Stay | For each night to a maximum of 91 nights in any one benefit year, where you have accompanied your child who has been admitted as an in-patient overnight. Hospital verification is required. |
| 7. Hospital - Accident Admission | For each night to a maximum of 91 nights in any one benefit year, if you are admitted to a hospital as an immediate casualty admission following an accident - even if the qualifying period has not been completed. |
| 8. Hospital - Joint In-Patient | For each night you are in hospital, to a maximum of 91 nights in any benefit year, if you and your partner are in-patients at the same time. If both partners are members both can claim. |
| 9. Hospital - Psychiatric Care | For each night in hospital to a maximum of 5 nights in any benefit year and up to 50 nights overall. |
| 10 Hospital - Care for Elderly | For each night you are in hospital to a maximum of 5 nights in any benefit year and up to 50 nights overall. |
| 11 Maternity/ Paternity/ Adoption | Cash grant if you or your partner have a baby or adopt a child under the age of 3 years. A birth certificate or adoption papers showing both yours and your partner's name is required. |
| 12 Consultation Inc. Homeopathy | 50% of the amount you have paid to a consultant physician or surgeon, including X-rays,ECG and pathology, up to the appropriate maximum when referred by your own doctor. For Homeopathy the consultant must be a member of the Faculty of Homeopaths. Treatment is excluded, as are consultations for legal, insurance and employment reasons. |
| 13 Physiotherapy/ Osteopathy/ Chiropractic | 50% of the amount you have paid, up to the appropriate maximum to one of the following: Physiotherapy: A State Registered Physiotherapist (SRP): Osteopathy A member of; the Register of the General Ostopathic Council, the College of Osteopaths (MCO), the Guild of Osteopaths (MGO) or the register of Osteopaths (MRO): Chiropractic: A member of the Register of the General Council or the British Chiropractic Association (MBCA). |
| 14 Acupuncture | 50% of the amount paid up to the appropriate maximum, to a member of the British Acupuncture Council. |
| 15 Chiropody | 50% of the amount paid up to the appropriate maximum, to a State Registered Chiropodist. |
| 16 Surgical Appliances | 50% of the amount paid up to the appropriate maximum for surgical appliances recommended by a general practitioner. Written evidence is required. |
| 17 Hearing Aids | 50% of the amount paid up to the appropriate maximum for new hearing aids. Excluded: hearing aid contract schemes, repairs or other items. |
| 18 Health Screening | 50% of the amount paid up to the appropriate maximum to a medically qualified practitioner. Excluded are examinations for legal, insurance or employment reasons. |
| 19 Convalescence | For you to stay in a convalescent home for up to two weeks within 3 months of you leaving hospital. We must agree that convalescence would help you recover. Arrangements must be made by the Scheme and travel expenses approved. |
| 20 Accidental Death | A separate policy for this cover is sent with confirmation of your membership. |
| 21 Injury and Disablement | A separate policy for this cover is sent with confirmation of your membership |
| 22 Stress Counseling | Providing caring, practical advice in the following areas: redundancy, Welfare, Debt and Bereavement |
| 23 Medical Information | Information on medical conditions, self-help groups, waiting lists etc. The NHS may withdraw this facility without notice. |
Contribution rates and benefits
| Weekly Rate > | £1.20 | £1.60 | £2.00 | £2.40 | £3.20 | £4.00 | £4.80 | Children |
| Monthly Rate> | £5.20 | £6.93 | £8.67 | £10.40 | £13.87 | £17.33 | £20.80 | are Free |
| Benefit \/ | ||||||||
| 1 | £48.00 | £64.00 | £80.00 | £96.00 | £128.00 | £160.00 | £192.00 | £24.00 |
| 2 | £16.00 | £16.00 | £16.00 | £16.00 | £16.00 | £16.00 | £16.00 | £16.00 |
| 3 | £48.00 | £64.00 | £80.00 | £96.00 | £128.00 | £160.00 | £192.00 | £24.00 |
| 4 | £12.00 | £16.00 | £20.00 | £24.00 | £32.00 | £40.00 | £48.00 | £6.00 |
| 5 | £18.00 | £24.00 | £30.00 | £36.00 | £48.00 | £60.00 | £72.00 | £9.00 |
| 6 | £18.00 | £24.00 | £30.00 | £36.00 | £48.00 | £60.00 | £72.00 | |
| 7 | £18.00 | £24.00 | £30.00 | £36.00 | £48.00 | £60.00 | £72.00 | £9.00 |
| 8 | £36.00 | £48.00 | £60.00 | £72.00 | £96.00 | £120.00 | £144.00 | |
| 9 | £18.00 | £24.00 | £30.00 | £36.00 | £48.00 | £60.00 | £72.00 | £9.00 |
| 10 | £18.00 | £24.00 | £30.00 | £36.00 | £48.00 | £60.00 | £72.00 | |
| 11 | £120.00 | £160.00 | £200.00 | £240.00 | £320.00 | £400.00 | £480.00 | |
| 12 | £120.00 | £160.00 | £200.00 | £240.00 | £320.00 | £400.00 | £480.00 | £60.00 |
| 13 | £240.00 | £320.00 | £400.00 | £480.00 | £640.00 | £800.00 | £960.00 | £150.00 |
| 14 | £60.00 | £80.00 | £100.00 | £120.00 | £160.00 | £200.00 | £240.00 | £30.00 |
| 15 | £60.00 | £80.00 | £100.00 | £120.00 | £160.00 | £200.00 | £240.00 | £30.00 |
| 16 | £120.00 | £160.00 | £200.00 | £240.00 | £320.00 | £400.00 | £480.00 | £60.00 |
| 17 | £120.00 | £160.00 | £200.00 | £240.00 | £320.00 | £400.00 | £480.00 | £60.00 |
| 18 | £60.00 | £80.00 | £100.00 | £120.00 | £160.00 | £200.00 | £240.00 | |
| 19 | Up to 2 weeks stay and approved travel expenses | |||||||
| 20 | £12000 | £16000 | £20000 | £24000 | £32000 | £40000 | £48000 | |
| 21 | £6,000 | £8,000 | £10,000 | £12,000 | £16,000 | £20,000 | £24,000 | |
| 22 | 24 hour 365 days a year telephone helpline 01444 442295 | |||||||
| 23 | NHS telephone helpline 0800 665544 | |||||||
Special Offer : Enroll in a GROUP scheme and obtain a 17.5% discount from these rates
FAQ's
Who can Join? : Anyone under 65
Can I Increase my contributions? : Yes
Is there a medical? : No - but pre-existing conditions are excluded
How are benefits paid? : By cheque directly to you
Are there any claims limits? : Each benefit can be claimed any number of times subject to the benefit period maximum.
When do I Qualify?
- Hospital Accident admission, accidental death, injury and disablement, stress counselling and medical information commence immediately the first payment has been made.
- Other benefits start after 6 months membership except maternity, paternity, adoption which is 12 (for obvious reasons!)
- If you are enhancing benefits the original benefits will be payable for 6 months - the additional benefits after 6 months (12 for maternity etc)
What about nationality? : You must live in the UK but are covered for 28 days days abroad each year.
To apply for a hospital cash plan
prospectus with full details of benefits Click Here
