Advantage
Health Cash Plan

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.