Benefits
Health cash plan benefits table
Look at the table below and see which level of cover would best suit your client’s needs.
Remember, the higher the level of cover, the greater the benefits employees can claim. Benefits are paid at the relevant percentage reimbursement rate against the cost your employees have incurred, up to the maximum benefit stated per benefit period in the table below. Premiums can be either employer-funded or voluntary through payroll deduction.
If you are interested in offering your client The Healthscheme call 0121 629 1165 or request further information today.
| Monthly premium (including insurance premium tax) |
Level 1 | Level 2 | Level 3 | Level 4 | Level 5 | |
|---|---|---|---|---|---|---|
| Personal (policyholder only) |
£5.00 | £9.00 | £13.50 | £19.00 | £25.50 | |
| Family (policyholder, partner and dependant children) |
£9.00 | £16.00 | £24.00 | £34.00 | £46.00 | |
| Benefits | % rate | Level 1 | Level 2 | Level 3 | Level 4 | Level 5 |
|---|---|---|---|---|---|---|
| Maximum benefit per benefit period | ||||||
| 1. Dental | 100% | £50 | £100 | £150 | £200 | £250 |
| 2. Dental trauma | 100% | £200 | £400 | £600 | £800 | £1,000 |
| 3. Optical* | 100% | £50 | £100 | £150 | £200 | £250 |
| 4. Consultation | 75% | £100 | £175 | £250 | £400 | £650 |
| 5. Physiotherapy/ osteopathy/ chiropractic and acupuncture | 75% | £150 | £350 | £500 | £800 | £1,200 |
| 6. Chiropody and homeopathy | 75% | £50 | £75 | £125 | £175 | £225 |
| 7. Hospital in-patient (per night) |
up to 35 nights | - | £10 | £20 | £30 | £40 |
| 8. Day-case surgery (per occasion) |
up to 10 occasions | - | £10 | £20 | £30 | £40 |
| 9. Recuperation | after 10 nights | - | £75 | £150 | £225 | £300 |
| 10. Maternity (adult only) |
per child | - | £75 | £150 | £225 | £300 |
| 11. Hearing aids* | 75% | £100 | £150 | £300 | £500 | £750 |
| 12. Health screening* | 75% | £50 | £75 | £125 | £175 | £250 |
| 13. Health care helpline | - | 24 hour, 365 days a year telephone helpline covering a wide range of general medical advice provided by a team of GPs | ||||
| 14. Health care navigator | - | - | - | - | - | yes |
| 15. Telephone helpline | - | 24 hour, 365 days a year telephone helpline covering a counselling service on stress, family relationships, substance abuse and debt counselling along with legal and financial advice and medical matters | ||||
| 16. Personal accident (adult only) |
up to | £25,000 | £50,000 | £100,000 | £150,000 | £200,000 |
* every two benefit years.
The amounts shown are maximum benefits payable every benefit period unless otherwise stated. Benefits are payable at an equal rate for all insured persons unless otherwise stated. Where benefit is provided for children it is limited to once times the maximum amount shown shared amongst all insured children. All benefits payable are subject to BHSF policy terms: Click here to view policy terms. 13 week qualifying period with the exception of maternity payment (10 month qualifying periods) and for pre-existing medical conditions (2 years). Issued by BHSF Limited, 2 Darnley Road, Birmingham B16 8TE. BHSF is authorised and regulated by the Financial Services Authority.