Provider: Forester Health Product: Cash4Health - Cash4Health is the latest cash plan from Forester ...
Provider: Forester Health
Product: Cash4Health – Cash4Health is the latest cash plan from Forester Health. It provides for employees or individuals looking for a low-cost plan with high returns.
Cash4Health refunds 100% of costs associated with common routine health treatments such as dental and optical, as well as a minimum of 80% of fees for increasingly popular health treatments such as acupuncture and reflexology.
Forester Health can also tailor plans for employee schemes so that an employer can cover his or her employees for their specific needs.
Charity work: Foresters is one of the biggest corporate sponsors of Barnardo's, the UK's largest children's charity. Last year in the UK their charity work involved 5,000 volunteers and 100,000 hours of community involvement.
Plan: Cash4health plan, Level 3 from Foresters
Also available as:
Level 1 – single premium £5.64; couple premium £10.40 per month; example dental cover – 100% up to £45; example optical cover – 100% up to £40.
Level 2 – single premium £9.98 per month; couple premium £18.45 per month; example dental cover – 100% up to £85; example optical cover – 100% up to £80.
Plan available as single or couple cover: Yes
Underwritten: The plan is underwritten by Foresters.
Contact number: 0800 073 303
Web site: www.foresters.co.uk
Distribution channel to purchase plan: Direct and via coupons. Through broker for group plans.
Type of company that markets plan: Not-for-profit organisation
Plan available on single/individual basis: Yes
Plan available on a couple or two person basis: Yes
Plan available on standalone basis: Yes
Group terms available: Yes. (This product is also available as a group product)
Underwriting/moratorium option: The plans work on a moratorium basis.
Premium per week for a single person: £4.15
Premium per month for a single plan: £17.98
Premium per week for a couple: £7.83
Premium per month for a couple: £33.95
Payment methods available: Premiums are payable by Direct Debit.
Minimum age at outset: 18
Maximum age at outset: 69
Maximum age dependent child: 18
Benefit qualification period: Cover commences on receipt of the first premium.
Pregnancy qualification: The pregnancy qualification period is 10 months of membership.
Consultation: This will pay 80% of the costs specialist consultations and diagnosis tests up to a maximum of £600 per year.
Radiological investigation: Yes. Radiological investigations covered under specialist consultations.
Inpatient £ per night: £60 per night paid as an inpatient. Children qualify for half of this benefit.
Inpatients max nights per annum: Maximum number of nights per case (per year) is 100.
Hospital parental stay benefit: This pays £30 for each night a parent has to spend accompanying a dependent child (maximum 100 nights each year).
Parental stay child's maximum age: Children are covered up to the age of 18 and while dependent.
Maximum number of nights per annum: 100 nights maximum per annum.
Hospital day case: Up to £60 for each person visiting hospital for day admittance (max 12 visits per year). Children qualify for half this benefit.
Maximum day cases per annum: 12
Maternity benefit per condition: Foresters will pay £400 for each child that is born or adopted (after 10 months of membership).
NHS prescriptions: NHS prescriptions are covered up to a maximum of £30 per year.
Dental benefit per annum: Foresters will pay the full cost of each course of treatment up to a yearly maximum of £140.
Percentage of dental costs paid: 100% refunded
Optical benefit per annum: Foresters will pay the full cost of each course of treatment up to a yearly maximum of £120.
Percentage of optical treatment costs paid: 100% refunded
Cost of sight tests covered under optical benefit: Yes, sight tests are covered.
Physiotherapy benefit per annum: Cash4health covers 80% of claims up to a yearly maximum of £600
Osteopathy, chiropractic, reflexology, acupuncture, homeothapy and chiropody benefit per annum: Cash4health covers 80% of claims up to a yearly maximum of £600 combined for all complementary medicines.
Benefits covered for children: Yes, children qualify for 50% of hospital inpatient, hospital day surgery and accidental death benefit.
Funeral benefit: This will pay a funeral benefit of £2,000 for each person (after three months' membership). This benefit is underwritten by Foresters Life Ltd. Cover ceases at age 70. The maximum sum payable for one event is £6,000.
Accidental death benefit: There is an accidental death benefit payable per person of £20,000. Children qualify for half this benefit.
Helpline available: Yes, helpline available. These are provided by Europ Assistance.
These give members access to free legal advice, medical information and homecall help and advice in the event of a domestic emergency. The lines are available 24 hours a day, 365 days a year.
Any other benefits: As a member, the insured can participate in social activities organised by fellow members in their area. Foresters also sends out a free colour magazine every six months containing articles, offers, competitions and health tips.
