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I do not think we have discussed these as such, so a thread may be useful,. Typically you pay a monthly premium from perhaps £10 to £50 depending on level of policy and provider and get to claim back the cost of glasses, dentists, health screening checks such as WellMan or WellWoman, surgical applicances, "treatments" eg chiropractic or physio, and have various other benefits such as a daily payment if you are in hospital as a day or admitted case. Just claiming the glasses and the dentist costs often cover the entire cost, so the rest is a bonus in financial terms. There is usually no medical, though pre-existing conditons are (usually - there are at least a couple of schemes that do not but may impose a longer qualifying period for some benefits) excluded. We have touched on them as one way of accessing Discount Schemes at major retailers (personally I have saved hundreds via a family member who is in a scheme). They also bring specific benefits for specific injuries if there is a Personal Accident element eg ££x for a wrecked joint or a cracked skull or an amputation or loss of an eye etc. There is a good, though slightly old guide on MSE here. I am currently looking to join one as an individual and wonder if anyone has recommendations or can point to schemes that exist but are not well-known. I need cover for pre-existing conditions (diabetic), which is limiting. Given that they can easily pay for themselves and then some, it seems an obvious thing for Self-Builders to take out - especially given that we can get a daily grant for out or inpatient care, massage and other type therapies, accident insurance, and eg an extra auto-10% off at Wickes. Ferdinand