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Since their origination in Victorian times healthcare cash plans have been a popular form of health insurance, albeit primarily for lower-paid workers. They remain a popular way to help with absence for both individuals and employers. With recent media publicity about the continuing rise in the cost of private medical insurance (PMI) and the continuing change in NHS provision, it is not just employers with limited budgets, or employees on low salaries who are turning to cash plans. Although affordability remains key to their success, the popularity of cash plans does not begin and end wit...