“ Western Provident Association (WPA) is one of Britain's leading Health Insurers, providing insurance for Britain's families since 1901. „
WPA Like all Private Medical insurance will pay for "acute" treatments only. That is when you are told it cannot be "fixed" and is chronic (cannot be fixed) the benefits stop. I was with WPA but found them very quick on this rule. I now use a broker www.UKhealthinsurance.biz who help me switch to a more understanding insurer. I have since moved 3 times to get better £ & cover even for my old medical stuff.
The WPA Mini-cash provides a more limited range of benefits when compared to other health care cash back schemes, this is ideal if you already have private medical insurance or want more for regular items such as dental and optical care. I currently pay Â£10 per month, if your older i.e. 40-64 I think its about Â£13 per month. In return you get 75% of the amount for each benefits listed below. You can also pay less and only receive 50% back, again up to the limits below. Year 1 Year 2 Dental 150 200 Optical 150 200 (will pay for eye tests, eye scans, glasses, contacts and perhaps more as well) Consultancy 200 300 Complementary Treatments 300 400 Health Screening 200 (every two years) Total 800 1300 I signed up to the scheme in February this year and recently submitted a claim for dental work for about Â£115 this was paid within 7 days and you can even track the process of your claim online. This scheme probably wont suit everyone but if your finding it difficult to get an NHS dentist, are single (these schemes usually are biased in favour of families) or are expecting some higher than normal routine dental or optical costs, then it is probably worth it. Also the bi-annual health screening benefit pretty much covers the cost of the scheme before you take into account anything else. Like all these schemes the devil is in the detail, for example replacement glasses can only be obtained under certain conditions. Also the benefits are lower in year 1, the year when I guess most people will be making the largest claims. Also in common with other schemes there is a 3 month wait before you can start claiming and it doesn't cover pre-existing medical (i.e. non dental or optical) conditions. Overall I think the scheme is good value for money and so far I've got back Â£50 more than I've paid in within the first 12 months. Also since writing the first edition of thi
s review I've claimed for optical care, although I didnt' need any glasses I did go for a complete eye scan as part of a test, this (despite doubling the cost) was paid without any problem.
As a family we have belonged to WPA Medical Insurance for many years. I have a bad ongoing back problem with responds well to physiotherapy.However WPA have now said that they wont support the treatment of a condition unless it makes the condition better! So, I could have thousands spent on an operation to solve the problem and they would pay, but they won't pay out for the occasional physio session. Just read your small print carefully. Also my daughter has an impacted canine tooth ...a phone call to WPA established that impacted was the important word and she was covered for the op. Nothing was confirmed in writing. Two days before the op they decided that it was only applicable to wisdom teeth. I successfully argued my case ...and the expenses are going to be covered. In their small print it doesn't mention wisdom and the person I spoke to at WPA cheerfully said this was a mistake on their part. So, again, always get in writing what has been confirmed over the phone or at least the name of the person you spoke to.