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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/Acupuncture/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.
That was a very helpful op, particularly as Im off sick at the moment and have just started to think about getting cover in case anything serious happens to me. A very useful opinion and is just the sort of thing that should be displayed on this site.Thanks very much for that!
SamanthaM 05.03.2001 23:24
I am a student at the moment but it think this sort of saving plan would be a good idea when i start work, Thanks for the advice.
bandoo 03.03.2001 20:42
I joined the HSA when I first started work - many years ago - the 25p a week was deducted from my salary - you can see how long ago it was now. I got paid for having my children, so to speak, as well as Physio, dental, optician and more. I have never had any problems with claims and would highly recommend them. Very detailed opinion. HB