Low cost alternative to private medical insurance providing fixed cash benefits for various circumstances. For example, hospital day care is selectable in the range £12 to £48 per day up to 10 days in a year; hospital in-patient treatment ranges from £18 to £72 per day up to 91 days per year or longer in some cases. Other sections provide benefits for dental treatment, optical requirements, parental stay, acupuncture, stress counselling, etc. Exclusions: pre-existing medical conditions; war; intentional self-injury; alcohol or drug abuse; pregnancy or childbirth; mental diseases, disorders or breakdown; nuclear radiation; cosmetic surgery; treatment for infertility or pregnancy termination; AIDS; confinement for domestic reasons.