Advantage Health Cash Plan

Join today & claim as soon as your cover starts

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. Your dependent children are covered too, on key benefits, giving you that extra peace of mind.

What’s 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, therapy treatments and more
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

What’s not covered

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

You'll also benefit from our health and wellbeing services

Talk to a GP with our DoctorLine^™
What's this?
Telephone Care Advisory Services and Care After Hospital
What's this?
24 hour Counselling and Advice Line
What's this?
Discounts on gym memberships with our Health Club Concessions
What's this?

Money back for check ups and treatments
"I visited the dentist for a check up and scale and polish, which cost £87. I claimed back the full cost from my Westfield Health Cash Plan and got the money back within 3 days"

Cash payouts for hospital stays and day surgery
"Following a two night stay in hospital for treatment for a hernia, Westfield Health paid me a cash sum of £84"

Plan benefits: 5 levels of cover to choose from

Cover Level Price per month			Benefit period i	Money back amount i	Level 1 £5.45	Level 2 £10.90	Level 3 £15.90	Level 4 £22.05	Level 5 £33.20

Cover Level Price per month			Benefit period i	Money back amount i
						Most popular
Cover Level Price per month	Benefit period i	Money back amount i	Level 1 £5.45	Level 2 £10.90	Level 3 £15.90	Level 4 £22.05	Level 5 £33.20
Claim money back for
Claim money back for			Up to	Up to	Up to	Up to	Up to
Optical i			2yr	100%
Optical For the policyholder. i	2yr	100%	Up to £45	Up to £90	Up to £145	Up to £205	Up to £295
Dental i			1yr	100%
Dental For the policyholder. i	1yr	100%	Up to £33	Up to £75	Up to £120	Up to £165	Up to £245
Dental Accident i			1yr	100%
Dental Accident For the policyholder. i	1yr	100%	Up to £75	Up to £165	Up to £265	Up to £350	Up to £500
Chiropody i			1yr	75%
Chiropody For the policyholder. i	1yr	75%	Up to £35	Up to £75	Up to £115	Up to £155	Up to £225
Therapy Treatments i			1yr	75%
Therapy Treatments For the policyholder. Physiotherapy, Acupuncture, Chiropractic, Osteopathy, Homeopathy. i	1yr	75%	Up to £200	Up to £425	Up to £625	Up to £850	Up to £1,250
Prescription Charges i			1yr
Prescription Charges For the policyholder. i	1yr		x	x	1 item	2 items	3 items
Surgical Appliance i			1yr	75%
Surgical Appliance For the policyholder. i	1yr	75%	Up to £55	Up to £125	Up to £175	Up to £230	Up to £335
Maternity / Paternity / Adoption i			1yr
Maternity / Paternity / Adoption For the policyholder, per child. i	1yr		£55	£115	£195	£265	£385
Health Screening i			1yr	50%
Health Screening For the policyholder. i	1yr	50%	x	x	x	Up to £200	Up to £300
Health Club Concession i
Health Club Concession For the policyholder. i			✓	✓	✓	✓	✓
Westfield Rewards i
Westfield Rewards For the policyholder. i			✓	✓	✓	✓	✓
Diagnosis and treatment for body and mind
Diagnosis and treatment for body and mind
DoctorLine^™ i
DoctorLine^™ For the policyholder and their family. i			✓	✓	✓	✓	✓
Consultation i			1yr	75%
Consultation Shared between the policyholder, their partner and dependent children. i	1yr	75%	Up to £70	Up to £135	Up to £290	Up to £390	Up to £575
24 Hour Helpline i
24 Hour Helpline For the policyholder and their family. Legal, Debt and speak to a Counsellor. i			✓	✓	✓	✓	✓
Help if you require hospital treatment
Help if you require hospital treatment
Hospital Benefit i			1yr
Hospital Benefit For the policyholder, per day/night up to 14 days/nights per year. i	1yr		£13	£24	£42	£61	£85
Care After Hospital i			1yr
Care After Hospital Shared between the policyholder and one relative aged 65 or over (policyholder partner or policyholder parent). i	1yr		18 hours	18 hours	18 hours	18 hours	18 hours
Personal Accident / Accidental Death i
Personal Accident / Accidental Death For the policyholder. i			x	x	£10,000	£20,000	£30,000
Personal Accident / Permanent Disability i
Personal Accident / Permanent Disability For the policyholder. i			x	x	Up to £10,000	Up to £20,000	Up to £30,000
Caring for your loved ones
Caring for your loved ones
Telephone Care Advisory Services i
Telephone Care Advisory Services For the policyholder and their/their partner’s elderly relatives aged 65 or over. i			✓	✓	✓	✓	✓
Cover for your children (included at no extra cost)
Cover for your children (included at no extra cost)
Money back - shared between your dependent children
Money back - shared between your dependent children			Up to	Up to	Up to	Up to	Up to
Optical i			2yr	100%
Optical i	2yr	100%	Up to £45	Up to £90	Up to £145	Up to £205	Up to £295
Dental i			1yr	100%
Dental i	1yr	100%	Up to £33	Up to £75	Up to £120	Up to £165	Up to £245
Dental Accident i			1yr	100%
Dental Accident i	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
Help if you require hospital treatment - For each dependent child
Hospital Benefit i			1yr
Hospital Benefit Per day/night up to 14 days/nights per year. i	1yr		£6	£10	£18	£23	£36

You have selected:
Health Cash Plan Level 3, £15.90p/m

Buy now

Download the Advantage Health Cash Plan guide

Download the Insurance Product Information Document

Download the GDPR insert

The featured premiums include Insurance Premium Tax at the current rate and are subject to review in respect of any changes in taxation. In the case of Therapy Treatments, the amount shown represents a combined total for all the treatments. This amount can be used for any one or combination of treatments. More information on each benefit and service, including details of limitations, exclusions and any qualifying periods, can be found in the Terms and Conditions.

Details of your cover

Who can apply?

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).

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.

Can I increase or decrease my level of cover after I have joined?

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).

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?

What is the benefit period?

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.

How can I 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.

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.

Westfield Rewards - included at no extra cost with your Advantage plan

Pick up discounts for:

High street stores
Supermarkets
Travel companies
Utility services

Our exclusive rewards website provides access to special offers on all your favourite goods and services from over 600 leading online and high street retailers.

Find out more

Our customer stories

"My last opticians bill was £75, so it was a relief to know I could claim the money back using my health cover and it was paid straight back into my bank account."

"I used the consultation benefit to get an appointment at the hospital and was seen within a week. I'm really grateful for the cover."

"I can’t recommend this health cover enough, it’s there so use it!"

Looking for health cover

Existing customers

About Westfield Health

Westfield Health

Westfield House
60 Charter Row
Sheffield
S1 3FZ

0114 250 2000
(8am-6pm, Mon-Fri except Christmas Eve and public holidays)

enquiries@westfieldhealth.com

Westfield Contributory Health Scheme Ltd (company number 303523), Westfield Health & Wellbeing Ltd (company number 9871093) and Westfield Employment Services Ltd (company number 9870326) are collectively referred to as Westfield Health and are registered in England & Wales. Additionally Westfield Contributory Health Scheme Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Our financial services registration number is 202609.

Claim back everyday health costs from £5.45 a month

What is a health cash plan?

What’s covered

What’s not covered

Definition of a pre-existing medical condition

You'll also benefit from our health and wellbeing services

DoctorLine™

Telephone Care Advisory Services

Care After Hospital

24 hour Counselling and Advice Line

Health Club Concession

Plan benefits: 5 levels of cover to choose from

Details of your cover

Westfield Rewards - included at no extra cost with your Advantage plan

Our customer stories

DoctorLine^™