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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

Definition of a pre-existing medical condition

A condition for which you or a dependent child:

  • Are currently taking any prescribed medication, or have taken prescribed medication in the last 12 months;
  • Have consulted a GP or Consultant Physician/Consultant Surgeon during the last 12 months;
  • Have received advice or treatment from a qualified practitioner or therapist i.e. Physiotherapist, Acupuncturist, Chiropractor, Homeopath, Osteopath, Chiropodist, Podiatrist or any other complementary medicine practitioner, during the last 12 months;
  • Have attended a hospital or registered treatment centre during the last 12 months;
  • Are awaiting any medical tests, investigations or treatment, or are awaiting the results of any medical tests or investigations, whether or not the condition has been diagnosed;
  • Attend your GP, Consultant Physician/Consultant Surgeon or hospital for monitoring or check-ups;
  • Have an illness, injury or condition that is permanent, or has ever previously recurred or that is likely to recur.

Remember, if you are not sure whether a fact needs to be declared you should tell us before making a claim so that we can decide whether it is relevant or not.

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?

DoctorLine™

From anywhere in the world, 24 hours a day, you can pick up the phone and arrange a call back from a practising UK GP, to discuss any health issues and receive advice or a diagnosis.

Telephone Care Advisory Services

Care advisors are all specialists in their own field and trained to provide advice in a professional and empathetic way. From the first sign of needing care to an urgent situation, they’re there to provide you with expert advice and support on a wide range of care issues.

Care After Hospital

Provides up to 18 hours of home care following an overnight stay in hospital, shared between the policyholder and one relative aged 65 or over (policyholder’s partner or policyholder’s parent).

24 hour Counselling and Advice Line

You and your family have 24 hour Freephone access to confidential support and advice on medical, legal and domestic issues.

Health Club Concession

Your cover also includes access to discounted membership at local gyms.
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

Advantage Health Cash Plan guide PDF Download the Advantage Health Cash Plan guide

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

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