Health Choices Plan

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Affordable Health Cash Plans to keep your family healthy for less

helpucover's Health Choices Plan helps you manage the costs of everyday routine healthcare and medical treatment for you and your family, and offers you the choice of using the NHS or seeking private healthcare.

Health Choices Plan

Our affordable Health Cash Plan provides a number of benefits more generous than many other providers:

  • 100% cash refund towards dental bills up to £170
  • 100% cash refund towards optical bills up to £170
  • Up to £400 cash per year for consultation fees
  • Up to £200 cash per year for complementary medicine
  • Hospital Care benefit up to £840 cash per year
  • Affordable Health Cash Plan options to keep you in good health
 

Here's an example:

Assume your consultant charges £100 per appointment. If you took out Bronze cover, for just £10.60 a month, we would refund you 75% of the cost - that's £75 for your appointment, whilst you would pay just £25.

This refund method makes getting the necessary treatment affordable, while avoiding extra costs that you haven't budgeted for.

*Subject to a maximum cash amount per benefit under the policy.

 

See how much you can claim back each year

With 4 levels of affordable health cover available, you can choose the plan that suits you best. Acceptance is guaranteed!

Levels of cover
Benefits per person (up to max shown) % cashback Platinum Gold Silver Bronze
Optical Fees 100% £170 £140 £110 £80
Dental Fees 100% £170 £140 £110 £80
Consultation 75% £400 £300 £200 £100
Complementary Treatments 75% £200 £150 £100 £50
Health Check 50% £100 £100 n/a n/a
Hospital Care

(a) HOSPITAL CASH
A benefit at the daily rate shown in the Table of Benefits is payable for the period you are admitted for in-patient treatment in a hospital. The 30 days qualifying period specified in Section 4 (i) applies to this benefit. Intensive Care Admissions - The benefit shown in the Table of Benefits will be doubled if you are admitted to hospital as an intensive care in-patient.

(b) DAY CASE ADMISSION
A benefit at the rate shown in the Table of Benefits is payable for each day case admission you have for investigations, treatment or diagnosis in a hospital or registered nursing home, subject to a maximum of 10 admissions in any policy year. Benefit is not payable in respect of out-patient attendance. Maternity care, psychiatric and hospice day care or respite care are excluded from this benefit. No benefit will be payable for Day Case Admission if we make any benefit payment for Hospital Cash in respect of the same day.

(c) JOINT IN-PATIENT (if applicable)
A benefit at the daily rate shown in the Table of Benefits is payable whenever you and your partner are in-patients at the same time in a recognised hospital or registered nursing home and are both eligible for benefits.

(d) HOSPITAL PARENTAL STAY (if applicable)
A benefit at the daily rate shown in the Table of Benefits is payable, if you have stayed overnight in a hospital with an eligible child who has been admitted as an in-patient overnight.

Note:
Hospital Cash, Hospital Parental Stay and Joint In-patient benefits have an aggregate maximum payment of 21 days benefit per person in any policy year and are not payable in respect of any eligible children.

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n/a £40 £30 £20 £10
Loss of Sight n/a £10,000 £10,000 £10,000 £10,000
Dental Accident £10,000 £10,000 £10,000 £10,000

Important Information

Like many other Health Cash Plans and Hospital Cash Plans, there is an initial qualifying period of 30 days before you can make your first claim, but if you are hospitalised due to an accident in the European Union or suffer a dental accident, you can claim for these benefits immediately.

For an affordable Health Cash Plan that includes dental health cover and optical insurance, you can't beat helpucover for excellent value. Get your quick quote today.

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