An inexpensive insurance policy that provides cover for the cost of everyday healthcare, such as routine check-ups and corrective/preventative treatment from your dentist and optician, plus protection against unexpected costs such as specialist consultations, diagnostic tests, hospital stays and therapy for minor injuries and ailments.
There is usually a fixed annual limit for claiming in each benefit category (e.g. Optical, Dental, etc.) and you can claim as often as you need to until you have reached your limit. Generally the premium is fixed at the same level for all policyholders, regardless of their age or the number of claims that they make.
Claims are made after the customer has paid for the treatment or service, and are usually reimbursed within less than a week.