“ A low cost private medical scheme. „
I joined the SimplyHealth Dental Scheme via work just a few months ago as I have been on a waiting list for an NHS dentist in my area for over 5 years with no luck and having had to have quite a lot of work done in those years. I also happened to be the person who launched the scheme and am the main point of contact but for now I will purely talk about the personal side of my own membership rather than the installation of the scheme. If anyone would like to know more details about that side please feel free to inbox me and I will be happy to give you all the gory details. So who are SimplyHealth and what do they do? Well, the company has been around in one form or another for many years under guises such as HSA, BCWA, Healthsure, LHF, Totally Active, Remedi or Medisure. If you would like to take a look for yourselves the web page is: https://www.simplyhealth.co.uk/sh/pages/homepage.jsp?(Please note that the Company Logo on Yoodoo is outdated now) SimplyHealth claim to operate as a practically no profit company that use the little profit they make to market and improve services. I am not sure how true this is though. They offer both full personal Health and Dental Plans and it is the Dental Plan that I am here today to talk about. Now, as a corporate member there are special rates for us but here are the private rates and levels of cover (all prices are current as of 9th Sept 2013 and are monthly and cover levels show what you get annually-apologies for the lists but I was not allowed to enter a table): Level 1 - £7.95 (Includes £30 for check ups, £30 for Scale and Polish, £200 for treatment, £5000 for Dental Accidents, £500 for Dental Emergencies, £50 per day/night for Dental Hospital Cover and £5000 one off payment for Mouth Cancer Cover during the period of membership) Level 2- £13.25 (Includes £60 for check ups, £60 for Scale and Polish, £200 for treatment, £5000 for Dental Accidents, £500 for Dental Emergencies, £50 per day/night for Dental Hospital Cover and £5000 one off payment for Mouth Cancer Cover during the period of membership) Level 3 -£18.75 (Includes £90 for check ups, £90 for Scale and Polish, £600 for treatment, £5000 for Dental Accidents, £500 for Dental Emergencies, £50 per day/night for Dental Hospital Cover and £5000 one off payment for Mouth Cancer Cover during the period of membership) Level 4 - £23.95 (Includes £120 for check ups, £120 for Scale and Polish, £800 for treatment, £5000 for Dental Accidents, £500 for Dental Emergencies, £50 per day/night for Dental Hospital Cover and £5000 one off payment for Mouth Cancer Cover during the period of membership) Worldwide Cover is payable for up to 28 days Obviously there are far more details on the website, including family cover but this should get you started for now. Do double check the qualifying periods though as not all are immediate and do bear in mind some do have maximum claim amounts per claim made or for certain treatments such as crowns and bridges. Joining a plan was really easy. I just chose what level was right for me, provided SimplyHealth with my name, address, contact number, DOB and e-mail and a start date and that was it. You can buy online on the secure website or over the phone. I made my first claim for cover of a check up using the form that they provided, sent it off with my receipt and within 2 days I had the money in the bank. Make sure though that when you make your first claim you ask for some more forms to be sent to you though as in the welcome pack you only get one (they cannot be downloaded as they have your own individual barcode on them). So far I would definitely recommend them. Dental care is so very expensive now and even though you do have to pay upfront (unlike the more expensive DenPlan type cover), you do get it back very quickly. They do usually send you a cheque though so if you do want the money back in to your bank don't forget to give them your details. So what are the downsides? Well, as I mentioned, you only get one claim form initially so make sure you ask for more. Make sure you have a receipt too as you will not be paid otherwise. A good thing though is that if you forget to take your claim form to the dentist for them to sign it doesn't matter as long as you have a detailed receipt (I just had a basic cost receipt and the Receptionist wrote on what I had done). Make sure your details are correct on your joining pack as I had a bit of a struggle with this one. Good luck and may you long have happy, healthy teeth!
One of the poorest value products around. Looks good on paper until you have to deal with this company. And what's worse - look at how much they spend to administer policies! Just look at their accounts and you realise where the money goes.
I've cancelled my policy with this company after seeing how much it pays its directors. I know where the fat cats are - at Simplyhealth!
My employer offer a discount on tax for paying for simply health insurance directly from my salary at sorce thus avoiding paying tax / NI on the money used to pay simply health. I find this beneficial as i attend the dentist for my regualr check ups and i also wear glasses, i think if i didn't wear glasses i probably wouldn't get my money's worth from the amount it costs me each month. To see if its worthwile for you have va look at the monthly costs for each level of cover and times by 12 then work out how much you spend annualy on things such as the dentist, opticians, out patient care etc (bear in mind the upper threshold limits for each item) one figure minus the other should then give you an idea as to whether it would be worthwhile taking out for you and your family. I also find it a bit of peace of mind should anything unexpected happen as they pay out for hospital stays. Claims are simple, fill in a form with your claim amount and your details and post with your receipt. They were picky with one receipt as the dentist hadn't stamped it so had to go back but other than that no problems and prompt refunds into my bank account.
Review updated 8/1/04 About Simplyhealth was previously Manor House Friendly Society which was one of the oldest mutual health insurers in the UK, in fact they claim to have been a small version of the NHS until all that changed after the war. Since I wrote the initial review they have been taken over by HSA which from what I have seen has meant the forms have got smaller (a good thing) and certain procedures are dealt with more quickly, namely complementary therapy and cancer operations. Simplyhealth does not aim to compete with the NHS but rather complements it, this means for certain more expensive and long term urgent treatments you will be referred back to the NHS (e.g Radiotherapy/chemotherapy and Psychiatric). However the NHS is usually pretty good for those forms of cancer care. The important thing to note about SimplyHealth is you cannot join it as an individual, you must join it in a group five or more people. This may sound bad but actually does work in your favour. In my case I joined it through a now defunct group which means I pay Â£23 per month and not the quoted Â£35. Good points *Not age or claims based, so the price only goes up in line with general medical costs. *Has been good value for money so far. *Covers pre-existing conditions after 2 years, no questions asked. *Covers most medical conditions. *I quite like the idea of it not being age or claims based, so for example if you have a few older people in your group then they benefit from the diverse age range and also you don't seem to end up paying much more. *You get to see a consultant within 3 weeks, probably less and have any treatment within 6 weeks or less. *There is no limit on the costs of hospital treatment, although there are some for complementary therapies. *You don't have to pay the bill and claim it back, they will cover it in full with the provider. *A useful little magazine arrives every few mon ths with information on various common ailments and how to get treatment. Bad points *Can only join in groups. *Treatment is not approved over the phone except in certain urgent cases, you need to get a form signed by your GP. *The essential plan does not include any ambulance home should you need it. *Like nearly all medical plans it covers non-life threatening acute conditions only. This means it will not cover anything which is chronic, i.e. likely to continue over a period of time. *Smaller number of hospitals than with other insurers, but there is atleast one in every major location across the UK, with the exception of Edinburgh! Overall Thankfully I've had no reason to claim but the scheme is excellent value for money, for me at least and is around half the cost of insurance through the big companies. The family package looks to be excellent value as well and seems to include children for a fraction of the real cost. For more information see http://www.simplyhealth.uk.com