Healthcare cash plan provider HSA is offering immediate cover and a 12-month money back guarantee as part of a major new campaign.

HSA customers will be able to claim its full range of cash benefits, (except maternity) immediately, instead of having to wait a period of months, providing they take out a Superplan policy before June 30, 2001.

They will also be able to claim back 12 months' net contributions within 31 days of their twelfth monthly payment.

HSA benefits include contributions towards dentistry and optical check-ups, complementary medicine treatments and attending accident and emergency departments.