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.

health cash plan

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

Optical

Claim for prescription glasses and sunglasses, contact lenses, eye tests and more

Dental

Dental

Money back for check ups, treatments, clean and polish, braces, dentures and more

Therapy Treatments

Therapy Treatments

Cashback for physiotherapy, acupuncture, chiropractic, homeopathy.

Kids cover

Kids cover

Kids are covered on your Health Cash Plan at no extra cost.

DoctorlineTM

DoctorlineTM

24/7 telephone access to a prescribing UK GP, from anywhere in the world

24 Hour Helpline

24 Hour Helpline

24/7 telephone access to a counsellor and legal, debt and medical advice

Westfield Rewards

Westfield Rewards

Exclusive offers and discounts from more than 800 popular retailers, restaurants and destinations

Personal Accident and Accidental Death

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.

For you

For you &
your partner

 

Not for profit - no shareholders

Online claims processed within 2 working days

95% of (correctly presented) claims paid

4.5 star Feefo rating

Secure purchase process

24/7 online account access

DoctorLineTM helps Rod 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

Rod Stevens
Health Cash Plan claim

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
Feefo

Frequently asked questions

You are eligible to apply for the Advantage 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).

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.

Yes, absolutely. The Advantage 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).

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?

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.

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 our Claims App. For more detailed information on how to claim click here.

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.

 

Speak to our customer care team

  • Ask us a question
  • Find out more about what's covered
  • Upgrade your plan or add your partner

Call us
0114 250 2000

Useful resources

How a health cash plan can support university students

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

How to achieve a great night’s sleep