Medical cash plan
As featured on Martin Lewis' Money Saving Expert website, Healthcare Cash Plans are a straightforward product that helps you to cover the cost of everyday health expenses like dental check-ups, eye tests and alternative therapy sessions. It's simple to use and a great way to save money on your healthcare expenses. Contact UsAbout the Medical Cash Plan
Cash plans have been around for many years, and are especially popular at the moment given the rising costs of dental treatments, eye tests, specialist consultations and alternative therapies. And with healthcare costs expected to continue to rise, now really is a great time to consider taking out a health cash plan.
So how do they work? Generally, they focus on a particular area of healthcare, like dental or optical cover. They normally have a choice of benefit levels offering different amounts of cover. The higher the level, the more cover you get, and so the higher the premium.
You can find more information about healthcare cash plans on Martin Lewis’ Money Saving Expert website, who have featured these types of plans.
With the Medical Cash Plan, you choose the level of benefit you need, pay the monthly premium relating to your level of cover, and in return you claim cash back up to the maximum amount you’re covered for, once you’ve had your treatment.
We offer more comprehensive plans than just dental or optical policies. That’s because our plans give you added security and peace of mind. Why take out a dental plan when you can take out a policy that protects you for so much more?
Our Medical Cash Plan gives you cover for a whole range of everyday healthcare costs including dental, optical, physiotherapy, osteopathy, homeopathy and specialist consultations (including PET, CT and MRI scans).
Plan highlights
The Medical Cash Plan is a simple health plan that will cover your routine healthcare expenses up to the amount of cover you choose.
- Claim money back, up to set limits, towards prescription glasses, eye tests, contact lenses and more
- Claim money back, up to set limits, for dental appointments and treatments, and more
- Claim money back, up to set limits, for therapy treatments including physiotherapy, acupuncture, chiropractic, osteopathy and homeopathy
- Claim money back towards GP-referred diagnostic consultations and treatments for you, your children and your partner
- Receive cash payouts for hospital stays, day surgery (NHS or private) and for the arrival of a new baby
- Cover for your children, on key benefits, is included at no extra cost
What's included?
Whenever you’ve received any of the medical services below, simply send the claim teams valid proof. You’ll get money back to cover the amount you have incurred – up to the benefit limit.
With the medical cash plan there are 5 levels of cover to choose from. Each level of cover provides a wide range of cash benefits to protect you against healthcare costs.
Please contact us for the policy document for full terms. Benefits are correct at July 2024 and subject to change at anytime.
| What you receive | Benefit period | Money back amount | Level 1 | Level 2 | Level 3 | Level 4 | Level 5 |
|---|---|---|---|---|---|---|---|
| Optical | 2 years | 100% | Up to £45 | Up to £90 | Up to £145 | Up to £205 | Up to £295 |
| Dental | 1 year | 100% | Up to £33 | Up to £75 | Up to £120 | Up to £165 | Up to £245 |
| Dental accident | 1 year | 100% | Up to £75 | Up to £165 | Up to £265 | Up to £350 | Up to £500 |
| Chiropody | 1 year | 75% | Up to £35 | Up to £75 | Up to £115 | Up to £155 | Up to £225 |
| Therapy treatments (physio, acupuncture, chiropractic, osteopathy, homeopathy) | 1 year | 75% | Up to £200 | Up to £425 | Up to £625 | Up to £850 | Up to £1,250 |
| Prescription charges | 1 year | x | x | 1 item | 2 items | 3 items | |
| Surgical appliance | 1 year | 75% | Up to £55 | Up to £125 | Up to £175 | Up to £230 | Up to £335 |
| Maternity / Paternity / Adoption | 1 year | £55 | £115 | £195 | £265 | £385 | |
| Health Screening | 1 year | 50% | x | x | x | Up to £200 | Up to £300 |
| Gym Discounts | Yes | Yes | Yes | Yes | Yes | ||
| GP helpline | Yes | Yes | Yes | Yes | Yes | ||
| Consultation | 1 year | 75% | Up to £70 | Up to £135 | Up to £290 | Up to £390 | Up to £575 |
| 24 Hour Advice and Information Line | Yes | Yes | Yes | Yes | Yes | ||
| Hospital Benefit (per day/night up to 14 days/nights per year) | 1 year | £13 | £24 | £42 | £61 | £85 | |
| Care after hospital | 1 year | 18 hours | 18 hours | 18 hours | 18 hours | 18 hours | |
| Accidental Death | x | x | £10,000 | £20,000 | £30,000 | ||
| Permanent Disability | x | x | Up to £10,000 | Up to £20,000 | Up to £30,000 |
Cover your children for free!
Children can be covered at no extra cost on a shared benefit basis and will receive cover for Optical, Dental, Dental Accident and Hospital Benefits.
What's not included?
These are some of the key exclusions. Please contact us for the Policy Document for a full list of exclusions.
- Claims for pre-existing conditions which you have had in the last 12 months, with the exception of optical and dental
- Professional or semi professional sports people aren’t covered
- If you’ve had cover with us in the last 2 years, your previous claims may be taken into account
Get in touch
From death and serious illness, through to accidents and help with everyday medical bills, we help to provide peace of mind and we’re here when you need us most. Here’s how to get in touch.
HQ
Unit 4 Ground Floor Bredon House, Almondsbury Business Centre, Woodlands, Bradley Stoke, Bristol, BS32 4QH
0800 028 0849
Lines are open 9am-3pm Monday to Friday (excluding public holidays). Calls are recorded and kept for training, monitoring and regulatory purposes
You can contact us directly by emailing enquiries@hiveinsure.co.uk