What is a Health Cash Plan

Health cash plans can help you budget for your everyday health needs and also provide cover for the unexpected. You can claim cashback on dental check-ups, fillings, physiotherapy, eye tests, glasses and much more up to annual limits.

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Our personal health cash plan Connect offers you peace of mind. Your level of cover is up to you and you can also choose to cover your partner. Children up to the age of 18 are covered for FREE and from just £7.35 per month you can enjoy a variety of different health benefits including personal accident protection and a virtual GP surgery, so you can talk to a qualified GP any time of the day.

Our Connect health cash plan also covers hospital costs and a variety of therapies and treatments to provide peace of mind and support for you and your family when you need it the most.

It’s quick and easy to join today and you don’t need a medical or GP referral. So, from as little as £7.35 a month, you could enjoy hundreds of pounds of health cover and benefits.


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How do Health Cash Plans Work?

Applying for a health cash plan is easy, we don’t even ask you for a medical to join. You can start to enjoy the benefits of using your plan just by following a few simple steps.

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Using a health cash plan couldn’t be easier

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There are 2 simple ways to claim

1Online

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2Paper based

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PMI vs Cash Plans

Confused about what the difference is between Private Medical Insurance (PMI) and a health cash plan? Well here’s a quick guide to help. Our health cash plans can also work side-by-side with a PMI scheme, partially or fully covering PMI excess payments.*

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PMI v Health Cash Plans PMI Health Cash Plans
Purpose To provide cover for the private diagnosis and treatment of a range of illnesses. To provide cover for the costs of everyday healthcare needs and preventative treatments.
What is covered? Specific illnesses and serious conditions usually involving a hospital stay/surgery. Everyday healthcare treatments from physiotherapy to dental and optical care.
Costs A more comprehensive insurance package that is heavily reliant on cost. Provides cashback on a range of treatments for only £7.35 per month. Health cash plans remain around 10% of the price of PMI premiums.**
Age & health Is a factor when calculating PMI premiums. Isn’t a contributing factor when deciding premiums.
Accessing treatment In some cases pre-authorisation is required by the PMI provider before treatment can start. You don’t need a GP referral before receiving treatment, so you can be seen straightaway.
Payments Usually refunded directly to the practitioner. Claims will be paid straight into your account.

*If the Specialist Consultation benefit is part of your chosen scheme. Please check your membership plan for full details of your available benefits.

**Source: Mintel Health Cash Plans – UK, October 2014 Report