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What is a health cash plan?

You've previously enjoyed cover with us, so you'll probably already know what a health cash plan is. Just to jog your memory, 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.

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, 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

  • 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

Definition of a pre-existing medical condition
(What we need from you)

Please give details of the condition/symptoms; dates; GP's name, address and telephone number if you or your 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.

If you are not sure whether a fact needs to be declared you should tell us so that we can decide whether it is relevant or not.

Plan benefits: 5 levels of cover to choose from

Who would you like to cover? Choose from the options below.

For you

For you &
your partner

 

Frequently asked questions

Who can apply?

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).

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 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).

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 My Westfield 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.

 

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.
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About Westfield Health

Westfield Health

PO Box 340
Sheffield
S98 1XB

enquiries@westfieldhealth.com

Westfield Health is a trading name of Westfield Contributory Health Scheme Ltd and is registered in England & Wales company number 303523. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial services registration number is 202609. Westfield Health is a registered trademark. Registered address: Westfield House, 60 Charter Row, Sheffield, S1 3FZ.

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