What is a health cash plan?
An individual health cash plan is a type of health insurance used by over 2.5m people in the UK. A health cash plan allows you to claim cash back, within set limits, from the cost of essential healthcare services.
Our health cash plans are designed to give you and your family peace of mind through everyday life. With five different levels of health cash plans available, we offer health cover and insurance that suits your needs from just £8.53 per month.
How can a health cash plan help my family?
So, how could a health cash plan help your family? A health cash plan allows you to claim money back towards the cost of your essential medical care, up to set limits. Health cash plans cover much more than just optical and dental bills; with Westfield Health, you will have access to*:
- Doctorline – 24/7 telephone access to a prescribing UK GP, from anywhere in the world
- 24 Hour Helpline – 24/7 telephone access to a counsellor and legal, debt and medical advice
- Westfield Rewards – exclusive offers and discounts from hundreds of popular retailers, restaurants and destinations
- Gym Discounts – exclusive discounts on gym memberships including Virgin Active, Fitness First and more
- Eldercare – telephone Care Advisory Services and care after hospital for you/ your/ your partner’s elderly relatives
- Personal Accident & Accidental Death – cash payouts to help you and your family if the worst should happen
*Availability to cash health plan benefits is dependent on the level of cover chosen. For more details on health cash plan coverage, see.
The benefits of having a health cash plan
A health cash plan at Westfield consists of many different services and benefits; it can help you in lots of different ways:
- Peace of mind – whether you are looking for individual cover or to protect your family, you can be confident you can access healthcare when you need it.
- Budgeting – prioritising your health shouldn’t cause financial worries. With Westfield Health, don’t worry about how to pay unexpected healthcare bills; your health plan will have you covered. You can use our savings calculator to help you estimate how much you could save with a health cash plan. This will also give you a better idea of what plan level is most suitable for you.
- Flexibility – core services like the GP telephone line are available 24/7, anywhere in the world, so you can speak to a doctor anytime.
- Worldwide cover – travelling? Not a problem; many cash plans allow you to use some of the benefits and services even if you’re away on holiday.
Using a health cash plan at Westfield
At Westfield, our health cash plans offer 5 different levels of cover from level 1 to level 5. Each level offers different levels of healthcare coverage, meaning you can select a plan that includes the benefits and cash back limits that meet your health needs.
We also understand that family healthcare protection is important. This is why we offer healthcare plans that cover dependent children. The Good4you health cash plan offers optical, dental, and hospital treatment cover for dependent children, all in one policy.
Ready to get started? Claiming your money back is simple. You just make an appointment as normal and then make sure you keep hold of your receipt. After you have paid, you can submit the receipt to us online, by post, or through your My Westfield mobile app, and then get reimbursed for your treatment.
You have 26 weeks to submit a claim and online claims are normally processed within 2 working days, meaning you won’t be out of pocket for long.
(Download the app from Google Play or the App Store)
What will an individual health plan cover?
Our health cash plans consist of many different services and benefits.
Our individual and family healthcare plans have been built to provide everyday healthcare and peace of mind for tomorrow. With your plan you’re covered up to set limits for a range of essential healthcare:
- Optical – prescription glasses and sunglasses, contact lenses and eye tests
- Dental – check-ups, treatments, clean and polish, braces, dentures and more
- Therapy treatments – physiotherapy, acupuncture, chiropractic, osteopathy and homoeopathy
- Cover for your children – included on key benefits at no extra cost
- Chiropody – chiropody and podiatry consultations, assessment and treatment
- Prescription charges – NHS/private prescription charges on levels 3, 4 and 5
- Health screening – full health screening, breast screening, heart screening and more
- Maternity / Paternity / Adoption – fixed cash payout per new baby/adoption
Choosing a health cash plan provider
There are several different UK healthcare cash plan providers. To compare plans, you must review each one carefully as the benefits available and amounts they pay out will differ. Unlike other health schemes, the reason you don’t find cash plans on most comparison sites is that they’re difficult to compare accurately. There are often small differences in things like the period over which your limit is set, what you can claim for and the period before you can claim.
Take particular care over reimbursement amounts and benefit periods. Whilst some plans may look attractive, they may only pay back 50% of each claim or increase the length of time until your benefit allowance is reset. Whichever health cash plan provider you choose, make sure you’re clear on these differences. Ultimately, you need to decide which cash plan best suits your needs and gives you the most value for money.
A health cash plan is a great way to save money on a range of healthcare treatments. By choosing a Westfield Health health cash plan, you invest in your own health and protect yourself financially.
You can find out more about our Good4you health plan and the levels available to make finding cover and what cover you can secure for partners and children.
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