Your monthly fee is saved as 'HealthBank' credits against your account,we give you % free with every purchase you make. This gives you complete flexibility to spend them as you wish with our healthcare and well being providers. Unused 'HealthBank' credits are retained and available for future use. Please note : Where a package value required exceeds your 'health bank' balance it can be topped up with a one off payment.To see our provider reviews, intro videos and packages we invite you to log in or sign up for free.