Quick Finder

We comply with the HONcode standard for trustworthy health information:
verify here.

Healthtrust : Healthcare Deposit Account


Company:	Healthtrust
Product category:	Individual private medical insurance
Sub-category:	Special cover; Medical Savings Plan

What the company says

"Do you resent the idea of paying premiums for health insurance and getting nothing back?"

"Do you want choice and control over your health insurance cover for the rest of your life?"

"With other healthcare policies you lose all your payments whether you claim or not. But with the Healthcare Deposit Account from National Deposit half of each monthly premium goes into your own personal deposit account – and the money in your account is always yours.

Some of the other key benefits you can expect from the scheme include:

Your choice of monthly premium, from as little as £20 a month.
Fixed monthly premiums for life – you'll just pay more towards a claim from your personal deposit account as you get older.
Comprehensive medical cover including private consultations, surgery, recognised alternative therapies, cancer and heart
treatment.
Dental and optical cover.
An unrestricted choice of private hospitals and treatment locations, as well as the option to use the NHS"

For the latest and best possible independent advice on private medical benefits call 0800 083 4116, send an email or get a quote online.

Product profile

Description

Unlike other healthcare policies, where your premium is lost whether you claim or not, the Healthcare Deposit Account puts half of each monthly payment into your own personal deposit account.

For

Individual
Couple
One parent + children
Couple + children

Benefits

Surgical operations
Consultations
Physiotherapy
Cancer treatment
Heart surgery
Diagnostic investigation
Acupuncture
Homeopathy
Chiropody
Ambulance fees
Bridges
Crowns
Dentures
Fillings
New contact lenses
New glasses
Repairs
Prescription sunglasses
NHS Hospital stay benefit payments

Basis of cover

Half goes towards the cost of running the scheme whilst the other half goes into your own personal deposit account
Your monthly premiums are fixed for life, so they’ll never go up because you’ve made a claim or reached a certain age
Cover is comprehensive and includes access to any registered private hospital, every NHS private patient unit and all recognised UK consultants and specialists
Your personal deposit account is what makes this healthcare cover special. It allows you to build up your cover at your own pace. When you need to make a claim, a set percentage will be paid from your personal deposit account and National Deposit will always pay the majority share.
You can boost your personal deposit account balance at any time – and the more you pay in, the more you can claim.
You can also make cash withdrawals from your deposit account if you wish. The money in your personal deposit account is yours, so if you don’t need to claim, you’re free to use it for something else
As an option for the first five years, while you’re building your balance, you can topup your medical cover by paying an extra £5 a month. This will give you access to an extra £20,000 of medical benefit
After five years you will qualify for loyalty rewards based on the size of your account balance. This means that even more of your monthly premium will go into your personal deposit account.

Options

Individuals aged 18 - 49, min £20, max £100 a month
Individuals aged 50 - 65, min £50, max £100

Last updated: 14 January 2008