I found a leaflet in a magazine, advertising this health insurance and giving one month's cover free. I phoned them up to see how much it would work out and signed up straight away. And I was covered straight away too, which I thought was really good, as I had an appointment with a private consultant the following day and I would be covered for that.
We pay £39 a month, and that covers me, my husband and my son. HSA covers up to four children, under the age of 18, who live with you, and they are covered free, for the same amount of benefits that apply to the parent/s.
There are different levels of cover, and obviously, the more you pay each month, the more money you will get back from the policy.
They cover dental,which includes check ups and xrays; optical, which includes sight tests, contact lenses and glasses, and osteopathy, homeopathy, physiotherapy, chiropodyand accupuncture. They also pay when you need to be in hospital overnight. They pay the same for NHS hospital stays as they do for private hospitals.
They cover maternity, but there is a 10 month qualifying period.
Cover starts from £2.25 a week.
I always wait until we've had a few treatments, and then send off the form. You have to send original receipts, so I send them registered post. Its a very easy form to fill in, and they send you another claim form each time you make a claim. They have always settled our claims within a week.
I don't really know how this firm make any money! We have had LOADS more money back than what we've paid out! If you regularly use all the things that you are covered for, then you'll be quids in!
One of the best things, is that if you need to see a consultant, then you will get to see a private one, usually within a week or two, then they can refer you for treatment on the NHS. So you can cut about 3 or 4 months off the waiting time! Well worth doing!