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My Health Cash Plan

My Health Cash Plan is a health cash plan policy that helps your clients budget for some of the day-to-day healthcare costs they could expect to pay during the year. That means things like routine dentists' bills; opticians' fees; GP prescriptions.

• Your client pays the bills, then we give money back up to the yearly limit to cover some of the costs
• Family members can be included on the policy
• 24 hour GP helpline and stress counselling helpline
• Up to 40% discount on selected UK gyms

This plan doesn't pay for any hospital treatment. There are some specific treatments and costs that are not covered by the plan, along with specific exclusions and qualifying periods, which are explained fully in the terms and conditions.

How much does My Health Cash Plan cost?

Unlike PMI which depends on many factors to calculate premiums, our My Health Cash Plan is a policy that has a fixed pricing structure. You can share the costs with your clients easily, by reviewing them online in our My Health Cash Plan consumer-facing pages.

What are the main benefits of My Health Cash Plan?

My Health Cash Plan is a policy that can help your clients manage day-to-day healthcare costs. After they've paid the bills, we'll give them money back - up to the limits for each benefit - to help cover the costs of routine healthcare.

What are the qualifying periods?

There's a qualifying period which means that in most cases clients won't be able to claim for treatment received during the first month of a policy. Some treatments are subject to longer qualifying periods, so it's important that your clients understand the full terms and conditions of My Health Cash Plan.

How does My Health Cash Plan work?

The core level of cover helps pay towards a number of day-to-day healthcare bills up to agreed limits. Benefit limits apply to all the following:

• 100% of the costs for dental and optical bills up to £250 (children, up to £125)
• 80% of the costs for physiotherapy, osteopathy, homeopathy, acupuncture or chiropractic treatment up to £150 (children, up to £75)
• 80% of the costs for GPs' prescriptions and charges up to £50 (children, up to £25)
• 80% of the costs for one health screen, up to £100 every two policy years (children, up to £50). We set a 12 month qualifying period for this benefit.

A £200 baby bonus paid for each child your client has or adopts after a 10 month qualifying period.

Full details of cover options and exclusions are included in the terms and conditions.

What options are there to choose from?

Your client can choose one or more of the following options, but it's important to know that benefit limits apply to them all. Their partner or dependants must take the same options, and if any of these extra benefits are chosen then the premiums will be higher.

Option 1, Increased Reimbursement:

Cover for 100% money back towards the benefits described in our core cover, instead of 80%, up to the benefit limits

Option 2, Hospital Extras:

• An in-patient cash benefit of £15 per night (£7.50 for children)
• A day-patient cash benefit of £15 per day (£7.50 for children)
• 80% reimbursement of the costs of X-rays and scans as a private patient
• 80% of the cost of a specialist's second opinion, as a private patient
• A support cash benefit of £15 per night, if your client's child goes into hospital

The benefits in Option 2 are covered up to a combined total of up to £250 per policy year (£125 for children).

Option 3, Health Enhance:

80% reimbursement of the costs for chiropody, podiatry, allergy testing or a dietician's appointment, up to £200 combined total per policy year (up to £100 for children)

How can the client reduce their cover and costs?

My Health Cash Plan offers two options that reduce the level of benefits in our core cover, and so bring down the costs. Your client can only choose one of these options and if cover is reduced, an option to increase cover cannot be selected as well. Benefit limits apply to the options below:

Option 1, Reduced Reimbursement

We'll keep your client's dental and optical cover in place with 100% reimbursement of those costs covered, but we'll reduce the level of reimbursement for all other core cover features to 60%, up to the limits shown.

Option 2, Dental and Optical only

This option covers 100% of only your client's dental and optical bills, up to £250 (up to £125 for children). If your client choose this option, we won't reimburse costs for any of the other core cover features.

Find out more and get a quote for your client

Our Healthcare Bureau is dedicated to providing you with support in your sales of My Health Cash Plan. To speak to a consultant and to get a quote for your client simply call 0845 300 0649.

Calls to and from Aviva may be recorded and/or monitored.

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