Cash plans for individuals and families


What is a health cash plan?

A health cash plan is a type of health insurance used by over 2.5m people in the UK*. Cash plans provide cash back, up to set limits, on a range of everyday healthcare costs. They give you the peace of mind that you can access the healthcare you need, when you need it.

They also include access to a range of handy health and wellbeing services that can help you in your busy life. These can include a 24/7 telephone GP line, 24/7 counselling and advice line for support on medical, debt or legal matters and discounts on shopping and eating out.

For benefits that offer cashback just visit your practitioner and receive your treatment as normal. Once complete, you pay for your treatment and hold on to the receipt, which you’ll need to make the claim. You then submit the claim with your chosen provider either by completing a paper form and submitting it in person or by post, or by submitting the claim online or via an app on your phone.

Once processed, the money will be paid straight into your bank account. Make sure you read the terms and conditions before getting treatment as there are often some restrictions on practitioners, such as them being registered with a professional organisation. With Westfield Health the process is:

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 your online claims within 2 working days of receiving it and pay the money straight into your bank account


Will my children be covered?

It depends on the policy. Some policies, like our Good4you policy, cover dependent children on the key benefits at no extra cost. On others you may have to pay a little extra, so it’s worth checking before you buy.

We define dependent children as those who are under 18, living in the UK and living with you or financially dependent on you. Again, this will change by provider so it’s worth checking the terms and conditions.

Is a cash plan the same as dental insurance?

Dental insurance is a different type of healthcare plan that just covers dental work. Sometimes they have set annual cover limits and if you haven’t been to the dentist in the past 12 months they may not pay for treatment identified as your first check up.

Health cash plans include dental cover alongside the other services and benefits, and on our Good4you policy pre-existing conditions are covered too.


How much will I save?

The amount of money you save with a cash health plan depends on your circumstances and the level of cover you choose. There are more to cash plans than just cash back, but it’s important you remember to submit your claims to get the most value.

To save you doing the maths we’ve put together a handy savings calculator for Good4you. You can use it to work out the amount you spend on healthcare each year, and see the amount of money you could save and decide which plan level is best.

Remember, when comparing plans you need to take into account that on some plans and benefits you will not always receive 100% of the money you paid for the treatment back.

For example, if you claim back the full amounts for optical and dental for you and your dependent children, you could save £288.20 in your first year on Level 3 of our Good4you health cash plan.

Click here to see how much you could save

Can I claim if I’m abroad?

This varies by provider, but with Westfield Health you’re covered worldwide. For example, if you're overseas and you need to visit the dentist, you can still claim for the treatment you pay for when you return. All we ask is that the relevant documentation relating to your claim is in English.



How can a cash plan help my business?

Over 1m UK workers are covered by a health cash plan*. They’re a popular workplace benefit that allow your employees to claim cash back for everyday health expenses.

There are many reasons to make a health plan part of your employee benefits program:

  • Helps employees’ salaries go further with money back for eyecare, dental treatment, physio and more
  • Encourages people to think more proactively about their health
  • Improves employee health by offering access to wellbeing services
  • Can work alongside PMI for more comprehensive cover
  • 85% of employers say minor ailments are the biggest cause of sickness absence** - that’s why our DoctorLine™ service provides 24/7 telephone GP access

Absence Calculator

One of the biggest benefits of a cash plan to employers is that it can help reduce absence, which costs the UK £18bn a year in lost productivity.

To find the cost to your business, all you have to do is enter your industry, number of employees and total salary bill.

Click here to see how much you could save

Get in touch with our customer care team

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

Useful resources

How a health cash plan can support university students

What is a health cash plan and why do I need one?

How to achieve a great night’s sleep