Take a look at this typical example of how Benenden Health Cash Plan works.
(Scenario is for illustrative purposes only)
Meet Jo, she is a Benenden member. She has a Benenden Personal Healthcare and Health Cash Plan. Jo is generally fit and healthy and even when she is, she pays £9.10 per month on her personal healthcare membership for the peace of mind that if she becomes unwell, she can call on her personal healthcare membership to help get diagnosis and treatment when she needs it.
Jo has health cash plan level 2 personal cover and pays £11.84 a month. Jo goes to the dentist in January for a routine check-up and a clean-up by the hygienist. Her dentist finds a small cavity that needs a filling. Jo pays £56.30* and claims the whole cost back on her Benenden Health Cash Plan cover. She goes back in July for another routine check-up, she’s been brushing and flossing regularly and luckily there’s no work required. Jo pays £20.60*, again claiming the whole cost back. A total for the year of £76.90.
In May, Jo gets a reminder from her optician that she’s due for another eye test. They find that her sight has changed and she needs new glasses. Jo chooses a 2 for 1 deal on designer frames and looks fabulous for £127.50**. She claims her full limit of £100 from her Health Cash Plan.
Jo is a keen hockey player and, during a match in July, she took the full force of a wild high stick. Jo was momentarily knocked out and woke to find she had a split lip and a broken tooth. She had to spend the night in hospital as a precaution because of her concussion and later that week had her broken tooth capped at a cost of £115.60**. Jo found she could claim back the cost of repairing her tooth because there is a separate limit for dental trauma. Also Jo claimed £20 for her night in hospital. That certainly helped to ease the pain.
After the accident, Jo experienced pain in her jaw and consulted an osteopath for treatment. After three sessions costing £165, Jo was back to her old self and delighted that she could recover £150 of the cost from her Benenden Health Cash Plan.
Jo’s Benenden Health Cash Plan cost £142.08
Jo claimed a total of £462.50
*Based on NHS Dental Band costs April 2017