A choice of cover levels
Our Health Cash Plan comes in three levels: Value, Core and Premier. Each offers different amounts of cash back and lump sum payments on a wide range of treatments: the amount of benefit payable rises with each premium level.
Value costs £6.50 a month or £1.50 a week; Core is £10.50 a month or £2.42 a week; and Premier is £19 a month or £4.38 a week. Weekly premiums are available for employees who are paid on a weekly basis and are only available through payroll deduction.
You’ll have a choice of ways in which you can provide our Health Cash Plan to your employees. Whether you wish to fund the plan fully or partially – or simply promote the scheme for voluntary contribution – engage can offer you a solution.
Please see below a list of all the adult, child and personal accident benefits payable under each level of the Health cash plan.
| Adult Benefits | Pay back | VALUE £6.50 a month £1.50 a week† |
CORE £10.50 a month £2.42 a week† |
PREMIER £19.00 a month £4.38 a week† |
|---|---|---|---|---|
| Optical Cover | 100% over 2 years | Up to £80 | Up to £125 | Up to £200 |
| Dental Cover | 100% per year | Up to £60 | Up to £110 | Up to £175 |
| Hospital In-Patient | 20 nights per year | Per night £15 | Per night £25 | Per night £50 |
| Hospital Day Surgery | 5 days per year | Per day £15 | Per day £25 | Per day £50 |
| Maternity/Paternity/Adoption | Lump sum per year | Per child £100 | Per child £150 | Per child £300 |
| Health Screening | 100% per year | Up to £50 | Up to £75 | Up to £200 |
| Acupuncture, Chiropractic, Osteopathy, Physiotherapy | 100% per year | Up to £120 | Up to £200 | Up to £500 |
| Personal Accident Cover | Lump sum per year | Up to £10,000 | Up to £10,000 | Up to £10,000 |
| Emergency European Cover* | Lump sum per year | Up to £10,000 | Up to £10,000 | Up to £10,000 |
| 24 Hour Telephone Counselling |  |
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| Face to Face Counselling | 4 sessions | 5 sessions | 6 sessions | |
† Weekly rates are available only if premiums are paid through payroll deduction.
* All benefits are available for treatments/accidents incurred anywhere within the European Community when travelling for business/pleasure purposes for up to 28 days.
| FREE | ||
|---|---|---|
| Child Benefits | Pay back | Benefit level |
| Optical Cover | 100% per year | Up to £40 |
| Dental Cover | 100% per year | Up to £40 |
| Hospital In-Patient | 20 nights per year | Per night £10 |
| Hospital Day Surgery | 5 days per year | Per day £10 |
Where benefit is provided for children the maximum amount is shared among all children insured under the policy and is not payable per child.
| Personal Accident Benefits | |
|---|---|
| Accidental death | £10,000 |
| Permanent total disablement | £10,000 |
| Permanent and incurable paralysis of all limbs | £10,000 |
| Permanent and incurable insanity | £10,000 |
| Loss of entire sight of both eyes | £10,000 |
| Permanent loss of use of both hands and both feet | £10,000 |
| Permanent loss of entire sight in one eye | £5,000 |
| Loss of use of one hand or foot | £5,000 |
| Permanent total loss of hearing in both ears | £5,000 |
| Permanent loss of hearing in one ear | £1,500 |
| Permanent total loss of use of the lens in one eye | £2,500 |
| Permanent loss of use of four fingers and thumb in either hand | £4,000 |
| Permanent total loss of the use the four fingers on either hand | £2,000 |
| Permanent total loss of use of fingers of either hand a) Three joints b) Two joints c) One Joint |
£500 £350 £200 |
| Permanent loss of either thumb: a) Both joints b) One joint |
£2,000 £1,000 |
| Permanent total loss of use of toes: a) All - one foot b) Big toe - both joints c) Big toe - one joint d) other than big toe (each toe) |
£1,500 £500 £200 £200 |
| Established non-union of fractured leg or knee-cap | £1,000 |
| Shortening of the leg by at least 5 cm | £750 |
