Plus...

Access to a second medical opinion service and discounted health club membership

Complete family cover – add your partner and children to your plan*

productHealthCashPlan
iconHealthCashPlan

Health Cash Plan

Cover towards the cost of everyday healthcare needs like going to the dentist or opticians, as well as unforeseen medical expenses such as physiotherapy appointments or seeing a specialist.

Cover yourself today for the everyday comfort you and your family need

  • Endorsed by your employer
  • 100% cash reimbursement up to annual limits for optical and dental treatments
  • 75% cash reimbursement up to annual limits for physiotherapy, chiropody and even Indian head massage
  • Easy to apply – no medical questions asked
  • Add your children at no extra cost
  • Simple claims - just take a photo of your receipt and upload it via the app

Choose from four levels of cover to best suit your needs

  • Basic
  • Essential
  • Standard
  • Premium

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Product features

Provider
  • Medicash Health Benefits Limited
Benefits
  • Please see Benefits Table below
Type of coverage
  • Contract with the employee
  • Monthly premiums paid by the employer or by employee
Who can be covered?
  • The employee, their partner and dependent children
  • The employee can be any age
  • Partner must be aged 65 or under at the time of joining
  • Children covered up to the annual limit and to 18th birthday (or 21st birthday if they are in full time education)
  • Each child has their own individual benefit entitlement
Cost of cover
  • Monthly premiums (rates available on request)
  • Premiums are based on level of cover chosen
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
What is not covered?
  • Benefit will not be paid if:
    • The date of treatment or accident occurs prior to the date the policy starts or after the date the policy ceases
    • Treatment, purchases or accidents occur outside the UK
    • Treatment is provided by the employee’s immediate family
    • Treatment is needed due to dangerous activities and sports or self-inflicted injuries
    • Complementary and alternative therapies or chiropody treatments are arranged, paid or facilitated through the employer or by another employee
    • The employee is breaking the Terms and Conditions of their policy
Changing cover
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
Rate guarantee
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business
  • Medicash Health Benefits Limited
  • Please see Benefits Table below
  • Contract with the employee
  • Monthly premiums paid by the employer or by employee
  • The employee, their partner and dependent children
  • The employee can be any age
  • Partner must be aged 65 or under at the time of joining
  • Children covered up to the annual limit and to 18th birthday (or 21st birthday if they are in full time education)
  • Each child has their own individual benefit entitlement
  • Monthly premiums (rates available on request)
  • Premiums are based on level of cover chosen
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
  • Benefit will not be paid if:
    • The date of treatment or accident occurs prior to the date the policy starts or after the date the policy ceases
    • Treatment, purchases or accidents occur outside the UK
    • Treatment is provided by the employee’s immediate family
    • Treatment is needed due to dangerous activities and sports or self-inflicted injuries
    • Complementary and alternative therapies or chiropody treatments are arranged, paid or facilitated through the employer or by another employee
    • The employee is breaking the Terms and Conditions of their policy
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business

*Partner cover at an additional cost, up to four children at no extra cost

Benefits

Covering the everyday essentials... Basic Essential Standard Premium Cashback*
Routine Dental Treatment (yearly maximum)
Cover for routine treatments, check-ups and hygienist visits
per adult
per child
£40
£20
£65
£32.50
£110
£55
£160
£80
100%
 
Dental Accident & Injury (yearly maximum)
per adult
£50
£100
£200
£350
100%
Optical (yearly maximum)
Including eye tests, prescription glasses and contact lenses
per adult
per child
£40
£20
£65
£32.50
£110
£55
£160
£80
100%
 
Quick diagnosis and faster recovery... Basic Essential Standard Premium Cashback*
Specialist Consultations, Diagnostic Tests
& Scans (yearly maximum)
Including CT, MRI and PET scans
per adult
per child
£50
£25
£100
£50
£200
£100
£300
£150
100%
 
Complementary Therapies (yearly maximum)
Covering physiotherapy, acupuncture, osteopathy and chiropractic assessment and treatment
per adult
per child
£75
£37.50
£150
£75
£200
£100
£250
£125
75%
 
Alternative Therapies (yearly maximum)
Covering reflexology, Reiki, Indian head massage, Bowen and Alexander technique, homeopathy, allergy testing and hypnotherapy as part of a treatment plan
per adult
per child
£25
£12.50
£50
£25
£75
£37.50
£100
£50
75%
 
Chiropody (yearly maximum)
per adult
£25
£50
£75
£100
75%
Even more benefits... Basic Essential Standard Premium Cashback*
Best Doctors® InterConsultation™ Programme (unlimited access)
Visit www.medicash.org/bestdoctors for more information
 
 
Doctor Online (unlimited access)
Online portal with access to personal advice from UK GPs
 
 
Discounted Health Club Membership
(unlimited access)
 
 
Stress and Support Helplines
(unlimited access)
 
 

*Percentage of receipt cashback up to yearly maximums.

This insurance is provided by Medicash Health Benefits Limited, a company limited by guarantee, registered in England (Number: 258025), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Medicash is also covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.