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.

Happy Health Cash Plan customer

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 Helpline

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.

Cover level

Cover level for you & your partner

Price per month

Benefit period

Money back amount

Level 1
£5.80£ADVANTAGE_LEVEL1_PARTNER_PRICE
Level 2
£11.60£ADVANTAGE_LEVEL2_PARTNER_PRICE
Level 3
£16.95£ADVANTAGE_LEVEL3_PARTNER_PRICE
Level 4
£23.55£ADVANTAGE_LEVEL4_PARTNER_PRICE
Level 5
£35.40£ADVANTAGE_LEVEL5_PARTNER_PRICE
Most
popular

Cover level

Cover level for you & your partner

Price per month

Benefit period

Money back amount

Cover level

Cover level for you & your partner

Price per month

Benefit period

Money back amount

Level 1
£5.80£ADVANTAGE_LEVEL1_PARTNER_PRICE
Level 2
£11.60£ADVANTAGE_LEVEL2_PARTNER_PRICE
Level 3
£16.95£ADVANTAGE_LEVEL3_PARTNER_PRICE
Level 4
£23.55£ADVANTAGE_LEVEL4_PARTNER_PRICE
Level 5
£35.40£ADVANTAGE_LEVEL5_PARTNER_PRICE
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
Health Club Concession
Health Club Concession
For you.For each policyholder.
   
Westfield Rewards
Westfield Rewards
For you.For each policyholder.
   
Diagnosis and treatment for body and mind
DoctorLine
DoctorLine
For you and your family.For you and your family.
   
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 Helpline
24 Hour Helpline
For you. Legal, Debt, speak to a Counsellor and online resources.For you. Legal, Debt, speak to a Counsellor and online resources.
   
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
Caring for your loved ones
Telephone Care Advisory Services
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.
   
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

You have selected:
Advantage Health Cash Plan Level 3

Not for profit - no shareholders

Online claims processed within 2 working days

95% of (correctly presented) claims paid

4 star Trustpilot rating

Secure purchase process

24/7 online account access

What our customers say about us

Health Cash Plan customer

Archive picture

Michelle gets her money back within 3 days

Excellent service, really easy to use claims website. Ultra fast payment turnaround, great communication. So pleased to have gone with Westfield Health, would definitely recommend.

Michelle Walker
Read more reviews on Trustpilot

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).

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.

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?

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).

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.

Contact our customer care team

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