Cash plans allow you to budget for routine healthcare expenses through a regular monthly premium, whilst Private Medical Insurance (PMI) is typically used for more significant medical events, such as surgeries or hospital stays. 

They cover a wide range of services and you can receive moneyback for a regular monthly premium on services such as dental visits, optical care and physiotherapy sessions. Some plans also include additional benefits such as access to 24/7 GP helplines or alternative therapies. Importantly, many Cash Plans cover pre-existing conditions, making them a flexible option for a broad audience. 

When considering a cash plan, reviewing what is included in the coverage is essential, as some services like cosmetic surgery or professional sports injuries may not be covered. By choosing the right plan for your needs, you can ensure that your routine healthcare is manageable and that you’re financially prepared for both expected and unforeseen medical costs.