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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’s covered

  • We'll cover your pre-existing medical conditions (except Personal Accident) if you apply by the 31st January 2018

  • 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

  • Gym membership discounts with a Health Club Concession

  • Prescription charges on levels 3 to 5

  • Receive cash payouts for hospital stays, day surgery (NHS or private) and for the arrival of a new baby

What’s not covered

  • Professional or semi professional sports people aren’t covered

 

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.
Cover Level (price per month)
Level 1
£6.80
Select		 Level 2
£14.25
Select		 Level 3
£20.15
Most popular!		 Level 4
£27.90
Select		 Level 5
£40.85
Select
Benefit Period % Reimbursed Money Back (Up to)
Money back on everyday health costs
Optical For you.
i
 2yrs 100% £45 £90 £145 £205 £295
Dental For you.
i
 1yr 100% £33 £75 £120 £165 £245
Dental Accident For you.
i
 1yr 100% £75 £165 £265 £350 £500
Chiropody For you.
i
 1yr 75% £35 £75 £115 £155 £225
Therapy Treatments For you.
Physiotherapy, Acupuncture, Chiropractic, Osteopathy, Homeopathy.
i
 1yr 75% £200 £425 £625 £850 £1250
Prescription Charges For you.
i
 1yr X X 1 item 2 items 3 items
Surgical Appliance For you.
i
 1yr 75% £55 £125 £175 £230 £335
Maternity / Paternity / Adoption For you, per child.
i
 1yr £55 £115 £195 £265 £385
Health Screening For you.
i
 1yr 50% X X X £200 £300
Diagnosis and treatment for body and mind
DoctorLine™ For you and your family.
i
 ✓ ✓ ✓ ✓ ✓
Consultation Shared between you, your partner and dependent children.
i
 1yr 75% £70 £135 £290 £390 £575
24 Hour Helpline For you. Legal, Debt and speak to a Counsellor.
i
 ✓ ✓ ✓ ✓ ✓
Help if you require hospital treatment
Hospital Benefit For you, per day/night up to 14 days/nights per year.
i
 1yr £13 £24 £42 £61 £85
Care After Hospital Shared between you and one relative aged 65 or over (your partner or your parent).
i
 1yr 18 hrs 18 hrs 18 hrs 18 hrs 18 hrs
Personal Accident / Accidental Death For you.
i
 x x £10,000 £20,000 £30,000
Personal Accident / Permanent Disability For you.
i
 x x £10,000 £20,000 £30,000
Caring for your loved ones
Telephone Care Advisory Services For you and your/your partner’s elderly relatives aged 65 or over.
i
 ✓ ✓ ✓ ✓ ✓
Retail discounts
Health Club Concession For you.
i
 ✓ ✓ ✓ ✓ ✓
Westfield Rewards For you.
i
 ✓ ✓ ✓ ✓ ✓
Cover for your children (included at no extra cost)
Money back - shared between your dependent children
Optical
i
 2yrs 100% £45 £90 £145 £205 £295
Dental
i
 1yr 100% £33 £75 £120 £165 £245
Dental Accident
i
 1yr 100% £75 £165 £265 £350 £500
Help if you require hospital treatment - For each dependent child
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, £20.15p/m

Buy now
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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 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 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.

 

Download the Good4you plan guide

Click here to download

Click here to view the Good4you
Insurance Product Information Document
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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.

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