Cash plans pay out cash sums for a range of everyday health care, from dental and optical fees, through stays in hospital, to trips to the accident and emergency unit, or homeopathy. The scope of covers can now include a wider variety of services and treatments such as; GP helplines, health screening, fitness and health advice, and discounts at health clubs and gyms.

IHC can help choose the right policy to fit your workforce as it can be confusing how insurers show the different levels of benefits they offer.

There are between three and eight benefit levels to chose from. The logic is simple, the more you pay per week or per month, the higher the level of benefit you get. The level of payout varies by insurer and by individual benefit. The most common benefits overall are optical, dental and physiotherapy. Plans start from only £0.75 per person per week.