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Engage Mutual health insurance review

Engage Mutual Health Insurance operates as a mutual friendly society, thus having no shareholders and being owned by its members. In 2015 it merged with Family investments becoming OneFamily. It provides a range of services including healthcare protection so that you can recover the costs of medical-related expenses.

The health cash plan from Engage Mutual covers a range of everyday health treatments from regular things like dental checkups and opticians’ costs to certain complementary therapies, whether you’re treated privately or by the NHS.

What is the Difference Between This Health Cash Plan and Other Healthcare Insurance Policies?

Other private medical insurance policies pay out on the costs associated with a hospital stay, various medical treatments and procedures as well as therapies, and are designed to give you a greater choice of when and where you have your treatment. A health cash plan, such as the one offered by Engage Mutual, provides money back on everyday health care treatments – including dentists’ and opticians’ costs – regardless of whether they’re provided privately or by the NHS. It isn’t intended to fund the full cost of treatment, just to help you out with everyday healthcare bills. The two types of cover can easily complement each other as they’re not really the same thing at all, so it might be worth looking at several options.

What Cover Does Engage Mutual Provide?

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Engage Mutual’s healthcare insurance policy works on the basis of cash-back for everyday health treatments, so if you are looking for a cost-effective way to meet routine trips to the optician or dentist, rather than looking for coverage for major surgeries, this cover could be for you.

Engage Mutual offers customers its Health Cash Plan that operates at three different levels, from Everyday, Deluxe to Superior. The way it works is that every time you visit an eligible healthcare professional, you can claim money back on those dental, optical and physiotherapy costs. Once you’ve paid for treatment you complete a simple form and claim money back.

The monthly premiums are fairly affordable, although your claim benefit levels are smaller than a regular healthcare insurance policy. However, you will be covered for things that could crop up at any time such as a new pair of glasses or an emergency filling (as long as you claim within the benefit period). There are different limits on how much money you can claim back, depending on which level of cover you choose. A summary of the coverages and reimbursement levels are as follows:

Treatment Everyday – £10 a month Deluxe – £14 a month Superior – £18 a month
Optical Claim back up to £100

Could cover the cost of an eye test and a pair of standard glasses.

Claim back up to £150

Could cover the cost of an eye test and a 9-month supply of contact lenses or a pair of designer frames and lenses.

Claim back up to £200

Could cover the costs of an eye test and a 12-month supply of contact lenses or a pair of designer frames and lenses.

Dental Claim back up to £100

Could cover the cost of two NHS Band 2 treatments or a tooth extraction by a private dentist.

Claim back up to £150

Could cover the cost of a sedated tooth extraction by a private dentist.

Claim back up £200

Could cover the costs of one NHS Band 3 treatment such as crowns, dentures and bridges.

Complementary Therapies Claim back up to £250

Could cover the cost of an initial appointment and three 30-minute follow up appointments.

Claim back up to £375

Could cover the cost of an initial appointment and five 30-minute follow up appointments.

Claim back up to £500

Could cover the cost of an initial appointment and eight 30-minute follow up appointments.

Personal Accident Personal Accident cover is also included with your plan. If for example, you were to have an accident and break a major arm bone (Radius, Ulna, or Humerus) you could claim up to £150 on all plan levels.

Additional Benefits

The Engage Mutual Health Cash Plan cover also includes:

  • up to £50 per year to help out with your children’s dental and optical costs – at no extra cost
  • Personal Accident benefit which is not standard on most other insurance policies
  • Cover can also be arranged for your partner, at an additional cost
  • Acceptance without a Medical: if you’re aged 17-65 and living in the UK you have guaranteed acceptance without the need for a medical. Do note however that you won’t have any coverage for pre-existing conditions, aside from existing optical and dental conditions provided the treatment is made after you have taken out the health cash plan.

Conclusion

Engage Mutual offers a different kind of financial protection for private medical costs, and is well worth considering if you are after an affordable plan that gives a degree of comfort that your smaller, routine and frequent trips to certain healthcare professionals won’t put a sustained dent in your finances.

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