Health cash plan

What can this policy cover?

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My Health Cash Plan helps you to manage your day-to-day healthcare bills. After you’ve paid the bills, we’ll give you money back – up to the limits for each benefit – to help cover the costs of routine healthcare. It’s simple to use, and we’ve included all the pricing details on our What does this policy cost? page.

How does My Health Cash Plan work?

We start by offering you a core level of cover, that can help pay towards a number of day-to-day healthcare bills. A qualifying period applies, which means that in most cases you won’t be able to claim for treatment received during the first month of your policy. Some treatments are subject to longer qualifying periods, so we encourage you to read the terms and conditions for full details. Benefit limits also apply to all the following:

• 100% of the costs for dental and optical bills up to £250 (children, up to £125)
• 80% of the costs for physiotherapy, osteopathy, homeopathy, acupuncture or chiropractic treatment up to £150 (children, up to £75)
• 80% of the costs for GPs’ prescriptions and charges up to £50 (children, up to £25)
• 80% of the costs for one health screen, up to £100 every two policy years (children, up to £50). We set a 12 month qualifying period for this benefit.
• A £200 baby bonus paid for each child you have or adopt after a 10 month qualifying period

Full details of this core level of cover, and any exclusions that apply, are included in our terms and conditions booklet, which you’ll find in the Useful information box on this page.

Which options can I choose from?

Because everyone’s health costs are different, you may like extra cover for some bills. You can choose one or more of the following options, but it’s important to know that benefit limits apply to them all and that your partner or dependants must take the same options. If you choose any of these extra benefits, then your premiums will be higher:

Option 1, Increased Reimbursement:

• Cover for 100% money back towards the benefits described in our core cover, instead of 80%, up to the benefit limits

Option 2, Hospital Extras:

• An in-patient cash benefit of £15 per night (£7.50 for children)
• A day-patient cash benefit of £15 per day (£7.50 for children)
• 80% reimbursement of the costs of X-rays and scans as a private patient
• 80% of the cost of a specialist’s second opinion, as a private patient
• A support cash benefit of £15 per night for you, if your child goes into hospital

The benefits in option 2 are covered up to a combined total of up to £250 per policy year (£125 for children).

Option 3, Health Enhance:

• 80% reimbursement of the costs for chiropody, podiatry, allergy testing or a dietician’s appointment, up to £200 combined total per policy year (up to £100 for children)

How could I reduce the cover and costs?

My Health Cash Plan offers two options that reduce the level of benefits in our core cover, and so bring down the costs. You can only choose one of these options and, if you do reduce your cover, then you can’t select an option to increase your cover as well. Benefit limits apply to the options below:

Option 1, Reduced Reimbursement

• We’ll keep your dental and optical cover in place with 100% reimbursement of those costs covered, but we’ll reduce the level of reimbursement for all other core features to 60%, up to the limits shown.

Option 2, Dental and Optical only

• This option covers 100% of only your dental and optical bills, up to £250 (up to £125 for children). If you choose this option, we won’t reimburse costs for any of the other core cover features.

What’s not included with this policy?

Health cash plans don’t pay for any hospital treatment, and My Health Cash Plan won’t cover any treatment you receive in the first month after joining the policy. There are also some specific treatments and costs that will not be covered by your cash plan but these – along with any specific exclusions and any other qualifying periods – will be explained fully in the terms and conditions. These treatments and conditions aren’t covered by My Health Cash Plan:

• Any benefit for which we haven’t received a completed claim form and original receipts where required
• Any charges for completing a claim form, or for proof of GP referral
• Any benefits for a claim that has already been paid under another cash plan or insurance policy of any kind
• Treatment or tests received outside the UK (other than provided under the dental cover)
• Treatment of an injury sustained while you’re training for or taking part in a sport for which you are paid or sponsored (unless you only receive travel costs)
• Treatment or tests required as a direct or indirect result of war (declared or not); military, paramilitary or terrorist activity (such as the effects of radiological, biological or chemical agents), or use, misuse, escape or the explosion of any gas or hazardous substance (such as explosives, radiological, biological or chemical agents).
• In-patient or day-patient cash benefit for admissions, if you received treatment for a pre-existing condition, for psycho, psycho-geriatric or mental illnesses of any kind, in relation to addictions or substance abuse, or relating to pregnancy or childbirth
• Therapies for a pre-existing condition

What are the extra benefits?

We encourage everyone to look after themselves as much as possible. While we’re helping you to cover the costs of day-to-day healthcare, we also give you these benefits with no extra charge (they’re included, whichever level of cover you choose):

• Gym discounts. As a My Health Cash Plan customer, you'll get up to 50% off at selected UK gyms (not available for children).
• 24 hour GP helpline. It’s reassuring to know there’s a qualified medical professional you can speak to in complete confidence, day or night, 365 days a year. Ask questions about symptoms, find out about treatments, or get information about medicines, side-effects, or anything else that matters.
• Stress Counselling helpline. Day-to-day costs are one thing, but the day-to-day pressures of life are another. Our 24 hour Stress Counselling helpline is completely confidential. You'll be talking to a trained counsellor who can give advice on dealing with stress.

What else do I need to know?

Full details of My Health Cash Plan core cover and exclusions are in our terms and conditions booklet, which you can download on this page as a PDF. We’ve also included our My Health Cash Plan brochure – and we encourage you to read both documents before giving us a call.

You’ll need to complete an application form for us to work out the final terms of your policy if we accept your application and, depending on your circumstances, non-standard terms may apply.

• Our My Health Cash Plan brochure (PDF 103KB)
• My Health Cash Plan terms and conditions (PDF 153KB)

So, what’s next?

Unlike private health insurance, My Health Cash Plan doesn’t give you access to private hospital treatment if you’re ill or injured – but it can help with the costs of things like GPs’ prescriptions or dentists’ fees. Putting My Health Cash Plan into place is as easy as one, two, three…

Step 1 – tell us what you’d like this cover to do

My Health Cash Plan is flexible. It starts with a core level of cover, and then you need to tell us whether you’d like to increase or decrease the cover depending on your needs.

• Get a quote and arrange My Health Cash Plan online. Get a quote now
• Call us. Our friendly experts can answer your questions and arrange cover over the phone by calling 0800 142 2383
• We can call you at your convenience, and explain the options in detail. Ask us to call you

Step 2 – tell us how you’d like to pay for the policy

You can pay for My Health Cash Plan online or over the phone, in monthly instalments or with one annual payment – both by Direct Debit.

Step 3 – get cover and start enjoying the extra benefits of My Health Cash Plan

With My Health Cash Plan in place, you’ll have peace of mind knowing that we’re going to help you pay for expected day-to-day healthcare costs. But we also want to help you stay healthy in other ways, too – don’t forget, we add these benefits to every policy with no additional charge:

• Discounts of between 12 - 40% on membership at selected UK gyms
• Access to our 24 hour GP helpline for guidance day and night, 365 days a year
• Personal support, through our 24 hour Stress Counselling helpline

Ask us for a quote, or find out more about My Health Cash Plan

You can phone us direct on 0800 142 2383, with reference CPW P3.

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