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Health Cash Plans
A health cash plan refers to health insurance products in the United Kingdom that helps people cover any everyday healthcare needs by providing cashback on a range of health benefits including dental and optical. Overview Health cash plans are an affordable way to manage the increasing health costs that can affect a family. Health cash plans are generally available via an employee benefits system, but can also be signed up to on an individual basis based on one's personal needs. The treatments available for cashback on health cash plans can vary depending on the provider, but generally can include eye tests, new prescription glasses, dental check-ups, and physiotherapy treatments. Schemes Most health cash plans will allow people to cover themselves, their partners and any dependent children for free and allow them to claim cash back up to their annual allowance based on the monthly amount they pay in. There are a number of schemes available depending on the company, and the annua ...
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Health Insurance
Health insurance or medical insurance (also known as medical aid in South Africa) is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance, risk is shared among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity. According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment". Background A heal ...
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United Kingdom
The United Kingdom of Great Britain and Northern Ireland, commonly known as the United Kingdom (UK) or Britain, is a country in Europe, off the north-western coast of the European mainland, continental mainland. It comprises England, Scotland, Wales and Northern Ireland. The United Kingdom includes the island of Great Britain, the north-eastern part of the island of Ireland, and many List of islands of the United Kingdom, smaller islands within the British Isles. Northern Ireland shares Republic of Ireland–United Kingdom border, a land border with the Republic of Ireland; otherwise, the United Kingdom is surrounded by the Atlantic Ocean, the North Sea, the English Channel, the Celtic Sea and the Irish Sea. The total area of the United Kingdom is , with an estimated 2020 population of more than 67 million people. The United Kingdom has evolved from a series of annexations, unions and separations of constituent countries over several hundred years. The Treaty of Union between ...
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Eye Test
An eye examination is a series of tests performed to assess vision and ability to focus on and discern objects. It also includes other tests and examinations pertaining to the eyes. Eye examinations are primarily performed by an optometrist, ophthalmologist, or an orthoptist. Health care professionals often recommend that all people should have periodic and thorough eye examinations as part of routine primary care, especially since many eye diseases are asymptomatic. Eye examinations may detect potentially treatable blinding eye diseases, ocular manifestations of systemic disease, or signs of tumours or other anomalies of the brain. A full eye examination consists of an external examination, followed by specific tests for visual acuity, pupil function, extraocular muscle motility, visual fields, intraocular pressure and ophthalmoscopy through a dilated pupil. A minimal eye examination consists of tests for visual acuity, pupil function, and extraocular muscle motility, as ...
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Prescription Glasses
An eyeglass prescription is an order written by an eyewear prescriber, such as an optometrist, that specifies the value of all parameters the prescriber has deemed necessary to construct and/or dispense corrective lenses appropriate for a patient. If an eye examination indicates that corrective lenses are appropriate, the prescriber generally provides the patient with an eyewear prescription at the conclusion of the exam. The parameters specified on spectacle prescriptions vary, but typically include the patient's name, power of the lenses, any prism to be included, the pupillary distance, expiration date, and the prescriber's signature. The prescription is typically determined during a refraction, using a phoropter and asking the patient which of two lenses is better, or by automated refractor, or through the technique of retinoscopy. A dispensing optician will take a prescription written by an optometrist and order and/or assemble the frames and lenses to then be dispensed to ...
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Physiotherapy
Physical therapy (PT), also known as physiotherapy, is one of the allied health professions. It is provided by physical therapists who promote, maintain, or restore health through physical examination, diagnosis, management, prognosis, patient education, physical intervention, rehabilitation, disease prevention, and health promotion. Physical therapists are known as physiotherapists in many countries. In addition to clinical practice, other aspects of physical therapist practice include research, education, consultation, and health administration. Physical therapy is provided as a primary care treatment or alongside, or in conjunction with, other medical services. In some jurisdictions, such as the United Kingdom, physical therapists have the authority to prescribe medication. Overview Physical therapy addresses the illnesses or injuries that limit a person's abilities to move and perform functional activities in their daily lives. PTs use an individual's history and phys ...
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Company
A company, abbreviated as co., is a legal entity representing an association of people, whether natural, legal or a mixture of both, with a specific objective. Company members share a common purpose and unite to achieve specific, declared goals. Companies take various forms, such as: * voluntary associations, which may include nonprofit organizations * business entities, whose aim is generating profit * financial entities and banks * programs or educational institutions A company can be created as a legal person so that the company itself has limited liability as members perform or fail to discharge their duty according to the publicly declared incorporation, or published policy. When a company closes, it may need to be liquidated to avoid further legal obligations. Companies may associate and collectively register themselves as new companies; the resulting entities are often known as corporate groups. Meanings and definitions A company can be defined as an "arti ...
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Simplyhealth
Simplyhealth is a provider of health cash plans in the United Kingdom. The scheme is an amalgamation of a number of schemes, with the earliest dating from 1872. Members can claim back cash costs from various services from the NHS or private provision, such as dental care, optical care, prescriptions and physiotherapy, as well as having access to services such as remote telehealth consultations with a general practitioner. History Foundation to the early NHS The first element of what is now Simplyhealth was the separate formation of the Manchester & Salford Hospital Saturday Fund and the Leeds Hospital Fund, which were both constituted in 1872. Both organisations followed a similar 'hospital Saturday' approach in fundraising for their local hospital. These were named Saturday funds, as this was traditionally payday for workers, when they could make their contributions to the hospital. The Hospital Saving Association (HSA) was founded in London on 11 July 1922, focused on providing ...
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Comprehensive Cover
Comprehensive Cover is the highest level of cover a person can have if they take out motor insurance in the United Kingdom The United Kingdom of Great Britain and Northern Ireland, commonly known as the United Kingdom (UK) or Britain, is a country in Europe, off the north-western coast of the European mainland, continental mainland. It comprises England, Scotlan .... In recent years, Comprehensive Cover has actually gone cheaper than the lesser cover 'Third Party, Fire and Theft' Cover in most cases. By taking out Comprehensive Cover, people in the United Kingdom are not only covered for third party claims after an incident, they are also covered for damage caused to their own vehicle or building (examples include: fire, fallen trees, flooding). Depending on the policy there would be different excess payments made to the garage that repairs the vehicle, and insurers normally need to authorise the estimate before repairs can proceed. Once the authorised garage has complete ...
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Insurance In The United Kingdom
Insurance in the United Kingdom, particularly long-term insurance, is divided into different categories. The categorisation is currently set out in sections 333B, and 431B to 431F of the Income and Corporation Taxes Act 1988 (ICTA) with each category of business given a different tax treatment. The Chartered Insurance Institute is a prominent professional group first chartered in 1913 The Financial Services Authority was formed in 2001 as the regulator. In 2013 the Financial Services Authority was dissolved and financial regulation was instead placed with the Financial Conduct Authority and Prudential Regulation Authority.UK’s New Regulators Take Over; FCA Now Responsible for Insurance Sector


Controversies

In 2005, re ...
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