My Health Cash Plan

When it comes to looking after your health, how does My Health Cash Plan benefit you?

• An easy and affordable health cash plan that helps you to pay those unavoidable, everyday health costs such as an appointment at the dentist or a prescription from your GP
• Flexibility to increase or reduce your cover, which means you can tailor your policy around your own needs and you own budget. For example, you could take Dental and Optical only
• Unlike other cash plan products on the market, we provide one pot of money for dental and optical costs combined. Don't need glasses? Use this pot for dental costs
• Core Health cover from £17.99 a month

Maintaining your health - simply and flexibly

Planning for the unexpected isn't easy and sometimes a hefty bill after a visit to the dentist or an expensive prescription from your GP can leave you feeling a little strapped for cash. With My Health Cash Plan, we can help reduce the impact of these everyday health costs. What's more, our Health Cash Plan allows you to choose what you want to be covered for, meaning you only pay for what you need.

Core Health Cover

Everyone starts with our Core Health Cover. You can then choose options to either increase or reduce your level of cover. A one month qualifying period applies to all benefits in all options unless otherwise stated.

You can claim 80% of your medical bill (100% for dental and optical) for each of the following benefits:

• Dental and optical (100% reimbursement) - up to £250 per year
• Prescription and GP charges - up to £50
• Therapies (physiotherapy, osteopathy, chiropractic, homeopathy and acupuncture) - up to £150
• Health screens - up to £100¹ (every two years)
• Baby bonus - £200 for each baby²
• Access to a 24-hour GP telephone helpline and stress helpline - our experts are here any time of day to support you.

¹ A 12 month qualifying period applies to health screens
² A 10 month qualifying period applies to the baby bonus

Ways to increase your cover

Choose one or more of these options to increase your cover. Please note that by increasing your cover, you will also increase your premium.

Increased Reimbursement - get 100% cash back

My Health Cash Plan already offers 80% reimbursement on all Core Cover benefits. But if you prefer, you can choose to receive 100% reimbursement with our Increased Reimbursement cover.

Hospital Extras - x-rays, child support and more

Hospital Extras is designed to give you all the extra support you need, should you require hospital treatment. It covers you for up to a £250-combined-total per policy-year on the following:

• In-patient cash benefit - £15 per night
• Day-patient cash benefit - £15 per day
• X-rays and scans as a private patient (80% reimbursement)
• Specialist second opinion as a private patient (80% reimbursement)
• Child support cash benefit - £15 per night

Health Enhance - Chiropody, allergy testing and more

Reap those extra health benefits with Health Enhance. This benefit covers you for up to a £200-combined-total per policy-year on the following:

• Chiropody (80% reimbursement)
• Podiatry (80% reimbursement)
• Dietician (80% reimbursement)
• Allergy testing (80% reimbursement)

Ways to reduce your cover

Choose one of the options below to reduce your cover and your premium. Please note that these options can't be chosen if you have opted to increase your cover.

Reduced Reimbursement - get 60% cash back

Lower your reimbursements to cover 60% of the cost of your Core Health benefits. Your dental and optical cover will remain at 100% reimbursement.

Dental and Optical - with 100% reimbursement

Opt for Dental and Optical only - we'll give you 100% reimbursement for all your dental and optical treatment, for up to £250.

What isn't covered

The details below show the exclusions that apply to the whole My Health Cash Plan Policy.

What isn't covered

The following exclusions apply to the whole My Health Cash Plan policy:

• any treatment received by a member in the first month after they join the policy
• any benefit where we have not received a fully completed claim form and original receipts where required
• any charges for the completion of a claim form, or for proof of GP referral
• any benefits where a claim has already been paid under another health 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 a member is training for or taking part in a sport which they are paid or sponsored (unless they receive travel costs only)
• 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)
  • use, misuse, escape or the explosion of any gas or hazardous substance (such as explosives, radiological, biological or chemical agents)

  In addition, we do not cover in-patient or day-patient cash benefit for admissions for:

  • a pre-existing condition
  • psycho, psycho-geriatric or mental illnesses of any kind
  • addictions or substance abuse

Other exclusions may apply to certain benefits and options. Please see the terms and conditions booklet for full details.

What do I do next?

If you would like more detail on how My Health Cash Plan works then our FAQs should answer any questions.

Happy with how it works? Why not get a quote online today!

Get a quote for private health insurance

Important Information

This is a summary of the policy benefits and exclusions. Full details of standard cover and exclusions are given in the terms and conditions booklet. A copy of this is available on request. Non-standard terms may apply. Applications are required.