If you’ve recently had a dental check up, a new pair of glasses or a private treatment like physiotherapy, you’ll know how expensive looking after your health can be. If you’ve got children, the costs can pile up even quicker.
Because we know 59%* of all claims made on health cash plans are for optical, dental and physiotherapy treatments, our health cash plan provides money back on these everyday healthcare costs, rather than a long list of other treatments.
*Laing Buisson, Health and Care Cover UK Market Report 2009
Pay from £10 a month and you could claim up to £450 cashback
By paying an affordable monthly premium, you’ll be covered for things that could crop up at any time – like a new pair of specs or an emergency filling, as long as you claim within the benefit period. Make the most of your cover and you could claim up to £450 cashback.
You can also arrange cover for your partner, and if you take out a Health Cash Plan from Engage Mutual, any of your children aged under 17 can be covered at no extra cost to help out with their dental and optical costs. Simply enter the details of anyone you wish to take out a plan for when you fill out your application Please see the cover levels section for details of how much you can claim back for your children.
Our affordable health cash plan comes with three levels of cover – everyday, deluxe and superior - so you can decide which is the one that best meets your needs.There are different limits on how much money you can claim back, depending on which level of cover you choose – take a look at the cover levels section to see how much you could claim. Benefit limits and periods apply. You can also apply online today.
Cover for everyday healthcare treatments
Our Health Cash Plan covers a range of everyday healthcare treatments from regular things like dental checkups and opticians’ costs to certain complementary therapies, whether you’re treated privately or by the NHS.
With your health cash plan you’ll also get money back for a range of other treatments and eventualities, including:
Your plan also includes the following at no extra cost:
personal accident cover, including cover for dental trauma and broken bones
life cover - up to £2,000. Please note that life cover applies only after your plan has been open for 2 years.
Please see our benefit rules for more details.
We guarantee to accept you without a medical
If you’re aged 17-65 and living in the UK we guarantee to accept you without the need for a medical. Although with the exception of optical and dental treatments, you’re not covered for any pre-existing conditions.
Simple and straightforward
Once you have received treatment and paid for it, you simply complete our straightforward claim form and send it to us along with the receipt within 13 weeks of the date on your receipt. You can find more information on claiming in the 'How to claim' section, or in the benefit rules.
The difference between our Health Cash Plan and PMI
Private medical insurance (PMI) pays out on the costs associated with a hospital stay, various medical treatments and procedures as well as therapies. It is designed to give you a greater choice of when and where you have your treatment.
A health cash plan on the other hand, provides money back on everyday health care treatments – including dentists’ and opticians’ costs – regardless of whether they're provided privately or by the NHS. It isn’t intended to fund the full cost of treatment, just to help you out with everyday healthcare bills. The two types of cover can easily complement each other – they're not the same thing at all.