What Is A Health Care Cash Plan And Why Do You Need One?
We are a health conscious nation, with more and more emphasis being placed on drinking enough water
, eating plenty of fruit and vegetables and taking at least 30 minutes of exercise per day. As we become more aware of all the things that could go wrong with our bodies and what to do to prevent these things or at least minimise the risks, it seems that more and more potential health issues arise. This is of course not what is happening but simply a case of knowledge breeding knowledge.With this knowledge and less and less expendable cash available due to the recession, its easy to bury your head in the sand when it comes to your health and wellbeing but a health care cash plan can help put your mind at ease in these situations. Since before the formation of the National Health Service (NHS) in 1948, contributory health schemes allowed those on low wages to put a little bit of money aside each month as a way of ensuring that should a health problem arise they would have a better chance of paying for examinations and treatment; it was a weight off their minds and allowed them to concentrate on earning a living and looking after their family. The same is true today and with NHS budgets set to be cut even further by the new government in an attempt to pay off the countrys debt, now is a good time to look into how a health care cash plan might benefit you.
Since then contributory schemes have become health cash plans but they still work in a very similar way. In return for paying a monthly premium you will receive cash payments towards the cost of routine health care such as dental, optical and physiotherapy treatments as well as much more, up to the agreed benefit limit. It is important to note that every health cash plan is different, just like car or home insurance and what works for one person may not be right for you. Health cash plans can be broken down into the following generic areas: examinations; treatments and therapy; hospital and nursing care and appliances.
Under health cash plan insurance, you will be covered for things like sight tests and dental treatment. However, this is by no means an exhaustive or all inclusive list and as stated earlier, its vital that when considering taking out a health cash plan you read the associated benefits and charges very carefully. Cash plans can be a great way to insure your day to day health costs and are designed to be used and claimed on. So if for example you currently pay for dental checkups and treatments or you wear glasses and need regular sight tests or new glasses and contact lenses, you can claim cash back up to the limit set for your chosen level of cover. The most sensible way to approach health insurance is to decide what you want to gain from it before researching the various options and talking your requirements through with an FSA (Financial Services Authority) regulated company.
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