health cash plan

The health cash plan from Engage Mutual is a straightforward, affordable health cash plan that helps with the expense of those everyday health treatments. By paying a regular premium, you’ll get money back on a range of medical costs including new spectacles and contact lenses, dental check ups and physiotherapy treatments, whether you are treated as a private or NHS patient. Apply quickly and easily online.

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. The amount of money you can claim back depends on what level of cover you choose. Take a look at the table below to see which suits you best. It shows you how much money you could claim back and gives practical examples of what this could pay for.

	Everyday (£10 a month)	Deluxe (£14 a month)	Superior (£18 a month)
Optical	Claim back up to £100 Could cover the cost of an eye test1 and a pair of standard glasses2.	Claim back up to £150 Could cover the cost of an eye test and a 9-month supply of contact lenses3 or a pair of designer frames and lenses4.	Claim back up to £200 Could cover the costs of an eye test and a 12-month supply of contact lenses5 or a pair of designer frames and lenses6.
Dental	Claim back up to £100 Could cover the cost of two NHS Band 2 treatments7 or a tooth extraction by a private dentist8.	Claim back up to £150 Could cover the cost of a sedated tooth extraction by a private dentist9.	Claim back up £200 Could cover the costs of one NHS Band 3 treatment such as crowns, dentures and bridges10.
Complementary Therapies	Claim back up to £250 Could cover the cost of an initial appointment and three 30-minute follow up appointments11.	Claim back up to £375 Could cover the cost of an initial appointment and five 30-minute follow up appointments12.	Claim back up to £500 Could cover the cost of an initial appointment and eight 30-minute follow up appointments13.
Personal Accident	Personal Accident cover is also included with your plan. If for example, you were to have an accident and break a major arm bone (Radius, Ulna, or Humerus) you could claim up to £150 on all plan levels.

1 – bootsopticians.com- 23/3/10

2 – glassdirect.co.uk – 30/03/10

3, 4 & 5 – specsavers.co.uk – 22/03/10

6 – specsavers.co.uk – 30/03/10

7 & 10 – nhs.uk – 22/03/10

8 & 9 – whatprice.co.uk – 22/03/10

11, 12 & 13 - privatehealth.co.uk – 22/03/10

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 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.

If you’re aged 17-65 and living in the UK, you’ll be accepted for our health cash plan without a medical. There’s no hassle, no fuss, and we won’t ask you any intrusive health questions.

Pre-existing medical conditions, professional sports, hazardous pursuits and self-inflicted injuries are not covered by the plan.

The health cash plan does cover existing optical and dental conditions provided you have the treatment after you have taken out the health cash plan.

For more details on what is and isn’t covered by the plan, download the Benefit Rules document.

The health cash plan from Engage Mutual covers a range of everyday health 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:

• cover for physiotherapy, osteopathy and various other treatments – up to 100% of receipt value for these treatments.

Your plan also gives you:

• 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.

Once you have received treatment and paid for it, you simply complete our straightforward claim form and send it to us with your receipt. For more details see how to claim.

Yes. The amount of life cover depends on the level of health cash plan you choose. See cover levels.

Yes. Your health cash plan includes personal accident cover provided by a third party insurer. Cover applies to customers over the age of 17 and the amount of cover you receive is determined by the level of your health cash plan cover. For more information on personal accident cover see our cover levels page.