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What is a health cash plan and why do I need one?

We sell health cash plans for individuals and for companies. If you're an individual wanting to know more, read below. If you're looking for business cash plans, please click here.

What is a health cash plan?

Dental check-ups and treatment, contact lenses, glasses… do you pay for these regularly?

A health cash plan is a fantastic and affordable way to claim money back towards these essential health costs.

Health cash plans cover much more than just optical and dental bills: chiropody, therapy treatments, homeopathy, maternity/paternity/adoption, and day surgery for example… the list goes on and on.

Dog wearing glasses

How do I claim my money back?

  1. Save the receipts from your health expenses
  2. Submit them as a claim online or through the post
  3. Receive the money back quickly, straight into your bank account

Why do I need one?

You can get your cashback on everyday healthcare costs, and more! Health cash plans also provide access to valuable health and wellbeing services such as 24 hour GP telephone services, gym membership discounts, 24 hour counselling and advice lines and second medical opinion services. Some even come with exclusive online discounts for your favourite retailers - another great way to save money.

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Cover for your dependent children is often included in your plan, and you can effectively double your benefit allowance if your partner purchases a plan at the same level as you too.

So whether you’re a savvy saver, a family on a budget, a health advocate, or just looking for peace of mind and cash back for essential costs, a health cash plan is for you. Don’t forget to tell your friends and family too - knowing they’re healthy, happy and saving money is another guaranteed benefit, and they’ll thank you for it!

How do I make a claim?

It couldn’t be simpler. Just go to your health professional as normal, keep hold of your receipt and submit it to your provider. Claims and payments are usually processed very quickly, meaning you won’t be out of pocket for long. Most providers now accept claims online or through an app, making the process even simpler and swifter.

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So what are you waiting for? With Westfield Health you can claim as soon as your cover starts. Find out more about our health cash plan now.

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Leave a comment

Yvonne Tufuor 22 Feb 2020

You have 5 different plan options with different prices but there is no explanation on what each level provides. How do I find this out please. And if i get the cheapest one for now can i change it later. Web page needs up dating doesn't give much info other than you get some money back after appointments

Hi Yvonne,

You can find information on exactly what's covered on this page

You are able to upgrade to a higher level of cover at any time, but please note that qualifying periods will apply.

Best wishes,
The Westfield Health Team

Susan Harding 21 Jan 2019

How long do you have to wait to make your first claim

Hi Susan,
On our Good4you policy we're waiving the usual waiting periods, which means that you can claim as soon as your cover starts (except maternity/ paternity/ adoption, which carries a 10 month waiting period).

Good4you Health Cash Plan

Best wishes
The Westfield Health Team

Damian 05 Jan 2019

My wife is in the 4th month of pregnancy. If I will buy now a Healthcare Cash Plan, can I apply for a Paternity straight after birth or I have to wait 5 months more? I know that I have to pay contributions for full 10 months, so can you explain me how it will be looks in my situation?

Hi Damian,
Unfortunately, as your wife has already started her pregnancy, you will be unable to claim on this benefit. The claim must be made within 13 weeks of the child’s date of birth so, when taking the qualifying period into account, this will take you past the period where you could claim.

Best wishes
The Westfield Health Team

Maria 09 Dec 2018

I would to do a family one kids or 25 and 23 and still live at home is there anything you can do please

Hi Maria,
Thanks for getting in touch. Our Good4you health cash plan covers dependent children up to the age of 18 on key benefits. After that, they would have to purchase their own policy to benefit from the cover.

Best wishes
The Westfield Health Team

Pete 22 Oct 2018

Could i get private treatment for my wifes birth.

Hi Pete,

You can claim cashback on the maternity/paternity/adoption benefit when a baby is born, up to set limits, but it also carries a 10 month qualifying period before you can claim. This means that if the baby is born within the qualifying period you won't be able to claim.

Best wishes
The Westfield Health Team

rita 12 Feb 2018

hi I have a private medical insurance with cigna. can I get a separate insurance for dental only?

Hello Rita,
We’re sorry, but we don’t offer any plan which provides cover for one type of benefit only, such as dental.

Our Good4you plan looks to provide a wide range of cover for different benefits, such as dental, optical, and therapy treatments.

Best wishes
The Westfield Health Team