HSA

HSA (Hospital Savings Association) is a family Healthcare plan, which you pay a weekly rate (actually paid monthly by direct debit) and the one payment covers the whole family regardless of age or whether there are 2 or 22 members in your household.

There are currently 21 benefits that they pay out for, and they often update and add new benefits. They are :-

Dental Work (including check ups)
Optical Work (including site tests)
Physiotherapy/Osteopathy/Chiropratic/Acu​puncture/Homeopathy
Chiropody
Maternity (one off payment for each child)
Hearing Aid
Consultations
Allergy Testing
Hospital In Patient
Nursing Home In Patient
Casualty Accident admission
Worldwide Emergency Health Cover
Joint In Patient admission
Hospital Day Case Admission
Hospital Parental Stay
Convalescent Home
Re-cuperation Grant
Home Help
Care for the Elderly
Mental Health/Psychiatric Treatment
Ambulance Services

As you can see, they pay out for a lot of so called "alternative therapies" as well as the more conventional treatments.

There are several rates that you could pay each week/month. You choose how much you want to pay, obviously the more you pay the more you get back each time you claim. The levels are (on a weekly basis). Some of the benefits are a set on payment ie Day Case Admission, others pay you half of whatever you paid for the treatment ie Dental. If your treatment cost you £60, you would get £30 back. There are no minimum limits - even if you paid £6.20 for a basic check up, you would get £3.10 back.

£1.80
£3.60
£5.40
£7.20
£10.80
£14.40

I am not going to tell you what you would get for each benefit under each of the rates, so I will tell you that we pay the middle premium - £7.20 per week, and I will give you a few examples of the common things you are likely to claim for.

These figures are all based on a £7.20 per week premium:-

Dental - up to £148 EACH PERSON IN FAMILY per year

Optical - up to £124 EACH PERSON IN FAMILY per year

Maternity - £400 one-off payment for each and every child born. This benefit cannot be paid until you have been an HSA Contributor for 10 months so you don't join just to claim when you find you are pregnant

Day Case Admission - £36 per admission

The list goes on an on. We have been members for 9 years now, and they have never quibbled over a claim. You just take your claim form to the appropriate hosptial, dentist, optician or whatever and they stamp and sign the relevant bits. You fill in your details, post it off and very soon your cheque arrives.