What is a Health Cash Plan?
A health cash plan allows you to claim money back, up to set limits, towards the cost of your essential healthcare, as well as providing access to valuable health and wellbeing services.
You can rest assured that your cover will help with your bills, so it’s a great way to help you budget for your everyday health costs. You can choose from five levels of cover to find a price to suit your budget.
Your dependent children are covered for free on key benefits, giving you that extra peace of mind. If you and your partner both buy cover, your children will receive double the benefits.
How it works
Choose your practitioner, attend your appointment and receive your treatment
Pay for your treatment as normal and remember to keep hold of the receipt
Submit your claim online including a picture of your receipt, or send it through the post
We’ll process online claims within 2 working days of receiving it and pay the money straight into your bank account
What's included?
You can claim cashback, up to set limits, on a wide range of everyday health costs. You also access to several valuable health and wellbeing services. Here are just some of the most popular benefits:
Optical
Claim for prescription glasses and sunglasses, contact lenses, eye tests and more
Dental
Money back for check ups, treatments, clean and polish, braces, dentures and more
Therapy Treatments
Cashback for physiotherapy, acupuncture, chiropractic, homeopathy
Kids cover
Children are covered on key benefits at no extra cost
Doctorline
24/7 telephone access to a prescribing UK GP, from anywhere in the world
24 Hour Advice and Information Line with My Healthy Advantage App
24/7 telephone access to a counsellor and legal, debt and medical advice
Westfield Rewards
Exclusive discounts from more than 1,000 retailers, restaurants and destinations
Personal Accident & Accidental Death
Cash payouts to help you and your family if the worst should happen
What is and isn't covered
- Claim money back, up to set limits, towards prescription glasses, eye tests, contact lenses and more
- Claim money back, up to set limits, for dental appointments and treatments, and more
- Claim money back, up to set limits, for therapy treatments including physiotherapy, acupuncture, chiropractic, osteopathy and homeopathy
- Claim money back towards GP-referred diagnostic consultations and treatments for you, your children and your partner
- Receive cash payouts for hospital stays, day surgery (NHS or private) and for the arrival of a new baby
- Cover for your children, on key benefits, is included at no extra cost
- Claims for pre-existing conditions which you have had in the last 12 months, with the exception of optical and dental (what is a pre-existing medical condition?)
- Professional or semi professional sports people aren’t covered
- If you’ve had cover with us in the last 2 years, your previous claims may be taken into account
Compare and choose from 5 levels of cover
Select cover for yourself or yourself and your partner below. Use the table to compare plan levels and prices. Once you've made your choice, press 'buy now' to start the application process.
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Cover level Cover level for you & your partner Price per month |
Level 1 £6.52£13.04 |
Level 2 £13.04£26.08 |
Level 3 £19.05£38.10 |
Level 4 £26.46£52.92 |
Level 5 £39.77£79.54 |
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| Most popular |
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Cover level Cover level for you & your partner Price per month |
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|---|---|---|---|---|---|---|---|
|
Cover level Cover level for you & your partner Price per month |
Level 1 £6.52£13.04 |
Level 2 £13.04£26.08 |
Level 3 £19.05£38.10 |
Level 4 £26.46£52.92 |
Level 5 £39.77£79.54 |
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| Money back on everyday health and retail discounts | |||||||
| Optical | 2yr | 100% | |||||
|
Optical For you.For each policyholder. |
2yr | 100% | Up to £45 |
Up to £90 |
Up to £145 |
Up to £205 |
Up to £295 |
| Dental | 1yr | 100% | |||||
|
Dental For you.For each policyholder. |
1yr | 100% | Up to £33 |
Up to £75 |
Up to £120 |
Up to £165 |
Up to £245 |
| Dental Accident | 1yr | 100% | |||||
|
Dental Accident For you.For each policyholder. |
1yr | 100% | Up to £75 |
Up to £165 |
Up to £265 |
Up to £350 |
Up to £500 |
| Chiropody | 1yr | 75% | |||||
|
Chiropody For you.For each policyholder. |
1yr | 75% | Up to £35 |
Up to £75 |
Up to £115 |
Up to £155 |
Up to £225 |
| Therapy Treatments | 1yr | 75% | |||||
|
Therapy Treatments For you. Physiotherapy, Acupuncture, Chiropractic, Osteopathy, Homeopathy.For each policyholder. Physiotherapy, Acupuncture, Chiropractic, Osteopathy, Homeopathy. |
1yr | 75% | Up to £200 |
Up to £425 |
Up to £625 |
Up to £850 |
Up to £1250 |
| Prescription Charges | 1yr | ||||||
|
Prescription Charges For you.For each policyholder. |
1yr | 1 item | 2 items | 3 items | |||
| Surgical Appliance | 1yr | 75% | |||||
|
Surgical Appliance For you.For each policyholder. |
1yr | 75% | Up to £55 |
Up to £125 |
Up to £175 |
Up to £230 |
Up to £335 |
| Maternity / Paternity / Adoption | 1yr | ||||||
|
Maternity / Paternity / Adoption For you, per child.For each policyholder, per child. |
1yr | £55 | £115 | £195 | £265 | £385 | |
| Health Screening | 1yr | 50% | |||||
|
Health Screening For you.For each policyholder. |
1yr | 50% | Up to £200 |
Up to £300 |
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| Gym Discounts | |||||||
|
Gym Discounts For you.For each policyholder. |
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| Westfield Rewards | |||||||
|
Westfield Rewards For you.For each policyholder. |
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| Diagnosis and treatment for body and mind | |||||||
| DoctorLine | |||||||
|
DoctorLine For you and your family.For you and your family. |
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| Consultation | 1yr | 75% | |||||
|
Consultation Shared between you, your partner and dependent children.Shared between you, your partner and dependent children. |
1yr | 75% | Up to £70 |
Up to £135 |
Up to £290 |
Up to £390 |
Up to £575 |
| 24 Hour Advice and Information Line | |||||||
|
24 Hour Advice and Information Line For you. Legal, Debt, speak to a Counsellor and online resources.For you. Legal, Debt, speak to a Counsellor and online resources. |
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| Help if you require hospital treatment | |||||||
| Hospital Benefit | 1yr | ||||||
|
Hospital Benefit For you. Per day/night up to 14 days/nights per year.For each policyholder, per day/night up to 14 days/nights per year. |
1yr | £13 | £24 | £42 | £61 | £85 | |
| Care After Hospital | 1yr | ||||||
|
Care After Hospital Shared between you and one relative aged 65 or over (your partner or your parent).Shared between each policyholder and one of their relatives aged 65 or over (policyholder's partner or parent) |
1yr | 18 hours | 18 hours | 18 hours | 18 hours | 18 hours | |
| Personal Accident / Accidental Death | |||||||
|
Personal Accident / Accidental Death For you.For each policyholder. |
£10,000 | £20,000 | £30,000 | ||||
| Personal Accident / Permanent Disability | |||||||
|
Personal Accident / Permanent Disability For you.For each policyholder. |
Up to £10,000 |
Up to £20,000 |
Up to £30,000 |
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| Caring for your loved ones | |||||||
| Telephone Care Advisory Services | |||||||
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Telephone Care Advisory Services For you and your/your partner’s elderly relatives aged 65 or over.For you and your/your partner’s elderly relatives aged 65 or over. |
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| Cover for your children (included at no extra cost) | |||||||
| Money back - shared between your dependent children | |||||||
| Optical | 2yr | 100% | |||||
| Optical | 2yr | 100% | Up to £45 |
Up to £90 |
Up to £145 |
Up to £205 |
Up to £295 |
| Dental | 1yr | 100% | |||||
| Dental | 1yr | 100% | Up to £33 |
Up to £75 |
Up to £120 |
Up to £165 |
Up to £245 |
| Dental Accident | 1yr | 100% | |||||
| Dental Accident | 1yr | 100% | Up to £75 |
Up to £165 |
Up to £265 |
Up to £350 |
Up to £500 |
| Help if you require hospital treatment - For each dependent child | |||||||
| Hospital Benefit | 1yr | ||||||
|
Hospital Benefit Per day/night up to 14 days/nights per year. |
1yr | £6 | £10 | £18 | £23 | £36 | |
What our customers say about us
Rod calls DoctorLineTM on holiday
“I used DoctorlineTM when I broke my leg on holiday in Turkey. The doctors were extremely reassuring and helped put my wife and I at ease.
We were also able to claim money back for my hospital stay, which we put towards making our time more comfortable and a wheelchair on my return to the UK.”
Rod Stevens
Sheffield
Archive picture
Michelle gets her money back within 3 days
Excellent service, all done quickly and easily online and money in my account within 3 days. No problems - really excellent!
Michelle Walker
Read more customer reviews
Frequently asked questions
You are eligible to apply for the Good4you Health Cash Plan if you are aged 16-65 (i.e. not yet 66), a resident of the UK, Jersey or Isle of Man for a minimum of 6 months each year and are not a professional or semi professional sports person. (Don’t worry when you reach 66, your cover will continue).
Do I need a referral from my GP?
Before we approve a claim for certain benefits, we may ask you for a letter from your GP or consultant to confirm that they have recommended your treatment and it’s not a pre-existing medical condition. Some GPs and medical practitioners may charge for this service and we’re sorry that this isn’t a cost that we can cover.
We aim to process your claims and get your money back to you as soon as we can, and the fastest way to do this for our most popular benefits (optical, dental, chiropody and therapy treatments) is via My Westfield or the My Westfield mobile app. For more detailed information on how to claim click here.
Every benefit has its own benefit period. The majority of your money back benefit allowances have a one year benefit period. Each benefit period will be activated when you submit your first claim, and will start from the date you paid your practitioner.
For Hospital Benefit your benefit period begins on the first day or night that we pay benefit for.
For Maternity/Paternity/Adoption, your benefit period begins on the date of birth or the date the child is placed with you for adoption.
You can keep sending in claims for a benefit until you reach your maximum allowance, or your benefit period expires. When your benefit period expires, the full allowance will renew, but your next benefit period will not be activated until you submit your next claim.
What if I have any pre-existing medical conditions – will I be covered?
We will not cover any pre-existing conditions which you’ve had in the last 12 months, with the exception of optical and dental. This also applies to your dependent children. What is a pre-existing condition?
Can I increase or decrease my level of cover after I have joined?
Yes, absolutely. The Good4you Health Cash Plan is very flexible. If you wish to change levels, simply call us and we will make the necessary arrangements (this is subject to the terms and conditions of the plan).
Can I cancel the plan if I change my mind?
Yes, you have the right to cancel at any time. Your policy also contains a 14-day cooling off period from the date we accept your application. If you change your mind during this time, providing that you have not made or intend to make a claim, we will refund your full premium.