Martin Lewis: Do you pay for dentistry and opticians? A little-known way to cover the cost | Personal Finance | Finance
The more you pay the more you can claim back. Yet if you’re new to cash plans, I’d suggest you start with a lower value policy to see how it works for you – and increase the plan value after the first year or so when you know it does. Only go for the higher cost policies if you’re sure you’ll be spending larger amounts on the key areas each year.
Plus if you or your partner are employees, check if either of your employers offers work-based policies. These can be extremely good value – bulk-buying power means firms can negotiate big discounts. And with all policies, always check the terms in detail before signing up.
3) If you WON’T remember to claim, DON’T get a policy.
Just because people can claim for the cost of healthcare through a cash plan, doesn’t mean they do. You have to fill in a claim form and send receipts each time. If admin fails are part of your DNA, don’t bother with cash plans.
