Essentials is aimed at employees in small to medium sized companies who are looking for healthcare cover to complement what they receive from the National Health Service.
The plan offers three levels of cash benefit, and the premiums increase to reflect this. The plan is underwritten by experienced cash plan firm HealthSure Group, which produces health cash plans of its own.
What makes this product especially alluring is that it also covers 100 per cent of optical and dental care. This is in contrast to the norm of up to 50 per cent of optical and dental costs offered by similar plans.
Based on a married couple, both aged 30, with two children, the monthly premium with no discounts for the maximum amount of cover available from Essentials Cash is £37.00. This compares to £41.60 charged by HSA's Superplan and £55.47 on Bupa's Cashplan, on the same basis.