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Planning Retirement Online

Cash Plan Policies

August 2011 

Aviva LogoGet money back against everyday health costs

As everyday health costs rise, we look at one way to fight back – Cash Plan Policies

There seems to be some things in life that you can be sure of, Death and Taxes is the old adage, now add to that increasing medical costs and higher Insurance premiums.

So how best to combat those basic costs that we all have to deal with, especially when our beleaguered pound seems unable to buy what it used to and we are all looking value for money.

Aviva, Britain’s largest Insurer have partnered with a new broker, Get Covered, to try and help that pound stretch a little further and really target everyday healthcare expenses.

Get CoveredCash plan type policies have been around for a while now with some of the major insurers offering a variety of solutions. The main aim of these policies is to enable customers to get money back against everyday health costs.


Some of these policies seem to offer a long list of cover options, sometimes complicating the real value offering, often made expensive by adding a variety of extra benefits that though offering better levels of cover take away from the real basic aim of the policy.


All policies should offer a GP Helpline, which, especially if you have children or grandchildren can be a real all important source of help and advice. Add in the usual prescriptions and smaller benefits you have a simple but effective package.
REMEMBER - In simple terms the value lies in the following areas:

  • DENTAL and OPTICAL COSTS

  • PHYSIOTHERAPY

  • REDUCED COST HEALTH SCREENING

  • GP HELPLINE

TIP: Look at the value of the benefits versus the premium and often you can realise cost of the insurance back in savings from the policy.


Get Covered COO, Adam Wood is fully behind this ethos ‘ Cash plans are a great way to ensure basic health expenses are covered, if you are someone who pays for your dental treatment and have glasses, then they are definitely worth looking at. Add in savings on Health screening and Physiotherapy treatment and they really can be valuable and well worth their money.’


Aviva and Get CoveredAn example of this is the Aviva My Health Cash Plan. The annual cost for core cover is £236.16; you can claim £250 back in benefits in Dental and Optical cover alone!!

Especially interesting to Laterlife members though, is that My Health Cash Plan is available with 2 MONTHS FREE.


Simply apply online at: www.aviva.co.uk/getcovered-cashplan,

to get your 2 months free and quote the reference CPJGET.


If you have any questions please feel free to call Get Covered on 0844 264 5545 or email us at information@getcovered.com

 


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