Personal Health Budgets
Support agreed health outcomes, care planning, allocation, review and accountable administration.
A Vertergi Group productChoice, control and accountable payment management
Personal Health Budgets and personal budgets
Connect agreed outcomes, budgets and payments around the person.
Support Personal Health Budgets and personal budgets with controlled approval, virtual-wallet and payment-card options, and a clear audit trail.
Clinicalapproval workflow
Financialapproval workflow
Virtual walletoption
Payment cardswithin the agreed model
Personalised funding
A governed route from agreed need to controlled spending.
The service focuses on choice, control and accountable administration, configured around the organisation’s approved operating and payment model.
Personal budgets
Extend the same person-centred principles to applicable personal-budget services and joint working.
Clinical approval workflow
Record the professional basis, agreed outcomes, reviews and accountable clinical approval.
Financial approval workflow
Manage authorised values, approval status, changes and financial accountability.
Virtual wallet
Provide a controlled digital view of available and used funds within the agreed service model.
Payment-card options
Support payment-card delivery through the applicable regulated payment model and approved partners.
Controlled funding journey
From agreed outcomes to transparent, reviewable use of funds.
The workflow connects professional approval, financial authority and person-facing payment options without presenting Care Banking as a consumer bank.
Agree outcomes
Record the person’s needs, outcomes, plan and applicable budget route.
Approve
Complete clinical and financial approval through accountable teams.
Activate
Set up the agreed virtual-wallet or payment-card option within the approved model.
Monitor and review
Maintain visibility, reconciliation, exceptions and scheduled review.
Not a consumer bankCare Banking does not accept deposits or offer retail bank accounts.
Regulated delivery modelPayment services operate through the applicable regulated partner arrangements.
Person-centred accessPresent appropriate information through controlled portal access.
Financial auditabilityRetain approval, transaction, reconciliation and change history.
Evidence and assurance
Payment capability supported by platform assurance.
Security, data protection, access control and operational governance apply across the PHB service. Detailed payment flows and partner responsibilities are provided during due diligence.
✓ ISO/IEC 27001 information-security management
✓ NHS DSP Toolkit Standards Exceeded and Cyber Essentials Plus
✓ Role-based access, approval and audit controls
✓ Procurement, integration and regulated-partner evidence available
Talk to our team
Design the PHB service around your population and operating model.
We can discuss the types of budget, approval routes, person-facing access and payment options required for the service.