Working in sync

Fresh off the Manchester train that pulled into Euston station less than an hour before, Peter Lauris, sales and marketing director at Medicash, is disputing the idea of a health care cash plan being able to act as a replacement for a private medical insurance (PMI) policy in these cash-strapped times. "Cash plans," he says, "are never, ever, a substitute for PMI because the two are quite different. But, at the same time, they are complementary because a PMI plan will not cover things like optical or dental treatments. Some PMI plans do, but most don't, so the two can run in tandem. "Em...