No, this plan has nothing to do with private healthcare. For private treatment, a Private Medical Plan is best. EverydayProtect Cash Plans simply pays out a lump sum a short while after claiming for any accidental injury. You will still be treated by the NHS but may receive money for hospital stays alongside the lump sum for the accident.

Protection can be offered on a sliding scale from 1 to 5 units. The more units, the higher the level of benefit you will receive. For core cover, policies start at £9 a month for 1 unit, up to £45 a month for 5 units of cover. You can add children (as many as you have) for a flat fee of between £1 and £5 a month. That means whether you have one child or five, you still only pay once, yet you can claim on behalf of them all.

Additionally, if you are a UK Healthcare Worker, you can add work-based cover for between £1-5 per month. This protects you from occupational exposure to HIV, septicaemia caused by MRSA, Hep C, TB, Hep B, Bacterial Meningitis and Clostridium Difficile.

Accidental death is covered in all plans and pays out between £40,000 and £200,000 upon the death of anyone under the plan. This represents a rudimentary form of life insurance which would benefit the relatives of the deceased.

Additionally, if death occurs within the first year of the policy, premiums are refunded, and if after the first year, a benefit is paid off between £1,000 and £5,000 to help with funeral costs.

Hospital stays are covered by the plan – as long as you are staying as a result of an injury. After 12 months, it also covers you for stays in a UK hospital for sickness.

You must be between 18 and 64 to take out the EverydayProtect Cash Plan policy. Cover will end on your 75th birthday or if you receive total permanent disability benefit. You must be a UK resident.

Children covered under Child Cover must be aged between 6 months and 18 years but this can extend to 23 years old if unmarried and still in full time education, unpaid traineeship/apprenticeship or with dependency on you due to mental and/or physical disability. You must be a UK resident.

Crucially, the EverydayProtect Cash Plan has no underwriting so you are able to take out the policy regardless of your medical history.