Package plans
Health cash plans providing a package of benefits are listed on the right. Select a plan to view details of what is offered.
Providing a pre-set package of benefits and limits keeps costs down for insurers and makes it easier for customers to buy a product. Insurers use their knowledge to decide what is best for the average person or family. A particular package may or may not be the best solution for you.
A packaged policy means that you have no choice on what covers or benefits you can include or exclude. Most insurers offer a range of benefit levels to suit different budgets. There are limits on amounts that can be claimed by £, % and number of days.
What's in a package?
There is no such thing as a standard package. Each provider has their own ideas.
Most plans include cash benefits towards hospital in-patient treatment, specialist consultations, routine optical and dental treatment, physiotherapy, complementary medicine and maternity amongst others. Some offer more specialised benefits that may be tailored towards your particular needs such as benefits for illness at home, aftercare and home help.
Benefits
The benefits commonly covered include;
Each insurer differs, and among other benefits on offer are;
reflexology
various alternative health treatments
GP fees
GP telephone consultation
hospital parental stay
hospital in-patient overseas
psychiatric in patient
nursing home in-patient
convalescent home
long stay
recuperation
home help
paternity
adoption
pregnancy complications
private ambulance or taxi
absence from work
worldwide cover
telephone helplines
health screening
health club discounts
prescription charges
Limits
A limit means the total amount that an insurer will pay in a year for a particular benefit. These limits can be expressed as:
amount £ per year
amount £ per month
amount £ per week
amount £ per day
number of days or nights
number of weeks
