Lloyds Cash Back Health Plan

The Cash Back Health Plan helps you to budget for your essential health costs. For a set monthly amount you can use your plan to help cover health bills and claim money back towards your dental and optical costs, therapy treatments and much more. You can also use it to access valuable health related services such as MRI, CT and PET Scanning Facilities, a 24 Hour Counselling and Advice Line and DoctorLine™ (giving you 24hr access to a GP from anywhere in the world).

What’s covered?

You can claim money back towards:

Optical costs including sight tests, glasses, prescription sunglasses and contact lenses
Dental costs such as check ups and fillings
Consultation fees
Therapy treatment bills for physiotherapy, acupuncture, chiropractic, homeopathy and osteopathy
Chiropody costs
You’ll also receive a cash lump sum if you or your partner has a baby or adopts a child

Access to health related services:

MRI, CT and PET Scanning Facilities
DoctorLine™
24 Hour Counselling and Advice Line
Personal Accident Cover

What’s more, if you have any dependent children under the age of 18, they are covered for many of the benefits at no extra cost!

The Cash Back Health Plan is underwritten and administered by Westfield Health. All correspondence will be communicated by Westfield Health.

Apply now!

You can apply for cover on the Cash Back Health Plan if you are an employee of Lloyds Banking Group, or a partner of an employee of Lloyds Banking Group.

Call us on 0114 250 2000 to apply today.

Plan details
FAQs

Plan details

« Level 1 £11.36 p/m Level 2 £22.73 p/m Level 3 £34.09 p/m »

Level Price per month	Level 1 £11.36	Level 2 £22.73	Level 3 £34.09
Benefit cover for you
Money Back
Optical	Up to £45	Up to £90	Up to £120
Money back towards sight tests, prescription glasses, prescription sunglasses, contact lenses, contact lens solution and more.
Dental	Up to £45	Up to £90	Up to £120
Money back towards check ups, technicians fees, treatments, dentures and more.
Consultation	Up to £75	Up to £150	Up to £200
Money back towards diagnostic consultations when your GP recommends referral to a consultant physician or consultant surgeon.
Physiotherapy, Acupuncture, Chiropractic, Homeopathy & Osteopathy	Up to £150	Up to £300	Up to £450
In the case of Therapy Treatments, the amount shown represents a combined total for all the treatments. This amount can be used for any one, or combination of treatments.
Chiropody	Up to £40	Up to £80	Up to £120
Money back towards chiropody and podiatry consultations, assessment and treatment.

Cash Payouts
Maternity / Paternity / Adoption	£100	£200	£300
Per child. Fixed cash payout following the arrival of a new baby/adoption of a child.

Health and Wellbeing
DoctorLine™ For you and your family.	✓	✓	✓
24/7 telephone service for you and your family to speak to a fully qualified UK GP at a time convenient to you, wherever you are in the world. Webcam service available too between 8.30am and 6.30pm.
Best Doctors^® For you, your partner and your children.	✓	✓	✓
Access for you and your family to an expert second medical opinion service.
24 Hour Counselling and Advice Line For you and your family.	✓	✓	✓
Access for you and your family to our 24/7 telephone service offering guidance on medical, legal and domestic issues.
Personal Accident / Accidental Death	£5,000	£10,000	£15,000
Accidental Death fixed payout.
Personal Accident / Permanent Disability	Up to £5,000	Up to £10,000	Up to £15,000
Permanent Disability fixed payout.
MRI, CT & PET Scanning Facilities	✓	✓	✓
Following referal from a Consultant policyholders must call our Scanning Helpline on 0345 345 4556. Please refer to the Benefit Rules for further information.
Westfield Rewards	✓	✓	✓
Special offers on all your favourite goods and services from over 450 leading online and high street retailers.

Money Back - Shared between your dependent children
Cover for your children (included at no extra cost)
Optical	Up to £45	Up to £90	Up to £120
Money back towards sight tests, prescription glasses, prescription sunglasses, contact lenses, contact lens solution and more.
Dental	Up to £45	Up to £90	Up to £120
Money back towards check ups, technicians fees, treatments, dentures and more.
Consultation	Up to £75	Up to £150	Up to £200
Money back towards diagnostic consultations when your GP recommends referral to a consultant physician or consultant surgeon.
Physiotherapy, Acupuncture, Chiropractic, Homeopathy & Osteopathy	Up to £150	Up to £300	Up to £450
In the case of Therapy Treatments, the amount shown represents a combined total for all the treatments. This amount can be used for any one, or combination of treatments.

All cash benefits are 100% reimbursement, up to your set limit, per one year benefit period.

The featured premiums include Insurance Premium Tax at the current rate and are subject to review in respect of any changes in taxation.

In the case of Therapy Treatments, the amount shown represents a combined total for all the treatments. This amount can be used for any one or combination of treatments. More information on each benefit and service, including details of limitations, exclusions and any qualifying periods, can be found in the Benefit Rules.

For information regarding the qualifying period and the benefit period for each healthcare benefit please refer to sections 5 and 7 in the General Terms and Conditions.

FAQs

Who can join?

You can join the Cash Back Health Plan if:

You are an employee of a company within the Lloyds Banking Group
You reside in the UK, Jersey or Isle of Man for a minimum of 6 months a year

For full Terms & Conditions please refer to the Plan Guide and accompanying addendum for up-to-date prices.

Can I apply for family cover?

If you have any dependent children they are covered for many benefits and services at no extra cost (benefits shared between all children).

Your partner can enjoy cover too and they can do this by completing the online application form in the Apply now section. Please note, you must hold a current policy for your partner to join. Terms and Conditions apply.

Can I cancel the plan if I change my mind?

Yes, you have the right to cancel your plan at any time. Your policy also includes a 14 day cooling off period from the date Westfield accept your application. If you change your mind during this time, providing that you have not made or intend to make a claim, Westfield Health will refund your full premium.

Can I increase/decrease my level of cover after I have joined?

Yes, absolutely. The plan is very flexible. If you wish to change your level of cover simply call Westfield Health on 0114 250 2000 and they will make the necessary arrangements subject to the full Terms & Conditions.

How long do I have to wait before I make a claim?

Unless you have joined during a special offer, all new policyholders have to wait a short qualifying period before making a claim. This is so that the plan remains competitive and viable and policyholders can enjoy affordable health plans, backed by award winning customer service. See section 4, terms & conditions within the plan guide.

However you can enjoy the following benefits straight away:

MRI, CT and PET Scanning Facilities
DoctorLine™
24 Hour Counselling and Advice Line
Personal Accident Cover

Westfield Health are a not for profit organisation and are able to re-invest in their products and services, ensuring they offer the very best on the market.

If I have any pre-existing medical conditions, will they be covered?

Your policy is intended to cover new medical conditions only. Please read carefully Section 1, General Terms and Conditions together with the definition of a pre-existing medical condition, before completing your application form.

Where does it tell me exactly what I can and cannot claim for?

Westfield’s easy reference Benefit Rules within the Plan Guide tells you everything there is to know about what you can and cannot claim for under each healthcare benefit. The Benefit Rules section also details how you access the services included on your plan.

How do I claim?

Claiming is easy. You simply receive and pay for your healthcare treatment as normal, fill in a claim form and send it to Westfield Health together with your receipt or any other required supporting information. Westfield will process your claim normally within 5 working days and then arrange payment directly into your bank account.

See How to claim: section 7, Terms and Conditions within the Plan Guide.

Can I go to any practitioner for treatment?

In order to help protect the interests of policyholders, Westfield Health requires you to receive diagnosis or treatment from a fully qualified GP, Consultant or Practitioner who is registered with, or a member of, the relevant professional body as specified in the Definitions section within the Plan Guide.

How do I find out the balances of my benefits?

Westfield’s award winning Customer Service Team is on hand to answer any questions you may have. They will also provide you with an updated benefit balance after each claim. What’s more, their Text Messaging Service allows you to receive up to date balances on some benefits direct to your mobile phone!

How do I get more claim forms?

You can download more claim forms here, or by calling Westfield directly. The Text Messaging Service allows you to order more claim forms too!

Can I only claim if I am ill?

You don’t have to be ill to be able to claim. Use your plan come rain or shine! Your plan is here to help you to maintain good health – taking regular health checks and treatment. Westfield Health provides you with the means to seek early diagnosis and treatment of health conditions before they get any worse!

Lloyds Cash Back Health Plan

What’s covered?

Apply now!

Benefit cover for you

Cover for your children (included at no extra cost)

Download a plan guide

Westfield Rewards

Pick up discounts for: