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Health Cash Plan for Business

  • Low cost - from just £1 per week
  • 5 levels to choose from - to suit your budget and needs
  • Easy to take out - no medicals and no age limits
  • Supports your duty of care

Health Cash Plan for Business

Got a question and want to know more? Call us FREE on 0800 414 8179 today.

Reward your employees with money back on everyday healthcare costs and more

A healthy, happy workforce is the beating heart of any business. If you’re looking to offer your employees a healthcare benefit, or simply offer them a reward they will really value, you could choose an affordable business health cash plan.

Benenden health cash plan

Corporate health cash plans provide money back on medical costs such as dental, optical, physiotherapy and prescriptions. Your employees regularly spend money on routine healthcare and our cash plan is a great way to reward them by providing money back towards the cost of those everyday medical expenses. Benenden offer a range of affordable cash plan levels that aim to suit different budgets and employee needs. Our corporate cash plan also comes with an Employee Assistance Programme (EAP) as standard – that’ll provide your employees with 24/7 access to counselling, medical and legal helplines.

Benefits for the employer Benefits for the employee
Low cost Money back on everyday medical costs
Five levels to choose from - to suit your budget and needs Makes their salary go further
Easy to take out - no medicals and no age limits Helps them feel valued and rewarded
Supports your duty of care Easy to claim
Helps improve employee wellbeing Payments made promptly into their bank account
Helps improve team motivation, productivity and morale Employee Assistance Programme - 24/7 helplines accessible 365 days a year,
providing employees with counselling, medical and legal advice when they need it
Over 110 years’ experience

We have over 110 years’ experience of caring for employee’s health, so they’ll be in safe hands with Benenden. And with five levels to choose from you should find business health cash plan to suit your budget and needs. If your business has more than 50 employees we will also work closely with you to develop a bespoke package to help suit your unique requirements.

Ready to get your quote? Call our team today FREE on 0800 414 8179 or email

Our cover levels

Our cash plan is available in 5 different levels of cover for you to choose from, and starts from as little as £1 per week. Contact us to find out more

Cash plan benefits and what's covered

Below you can see the areas that our cash plan covers. The amount that will be paid out per year is dependent on the level of cover that you choose. 

For full details on the benefits available for each cover level, please refer to the Policy Terms & Conditions.

Optical (100% reimbursement)*

Money back towards routine optical appointments like sight tests, spectacles, lenses, contact lenses or laser eye surgery.
*For level 1 ONLY there is the option of either choosing an optical voucher or the cash benefit – please see the Policy Terms & Conditions for further details.

Dental (100% reimbursement)

Money back towards routine dental appointments like dental check-ups, hygienist’s fees, treatment and dentures.

Dental trauma (100% reimbursement)

Money back towards dental treatment that is a result of accidental injury.

Therapies (100% reimbursement)

Combined benefit including physiotherapy, osteopathy, chiropractic treatment, homeopathy, reflexology and acupuncture carried out by a qualified practitioner that we recognise.

Chiropody (50% reimbursement)

Includes consultation, assessment and treatment carried out by a qualified practitioner that we recognise.

Hearing aids (50% reimbursement)

Money back towards purchasing a hearing aid from a registered hearing aid dispenser.

Hospital in-patient*

Cash amount for each night (up to 30 nights per year) following an in-patient stay in hospital.
No hospital related claim will be paid during the first two years of this policy in respect of any health condition, or related health condition, which existed or was being investigated before cover commenced.
*If an insured adult was age 75 or over at the start date of the policy then the above benefits are only payable at half the stated amounts.

Hospital day case*

Cash amount for each day (up to 6 days per year) following admission to hospital as a day case patient.
*If an insured adult was age 75 or over at the start date of the policy then the above benefits are only payable at half the stated amounts.

New child/adoption benefit

Single payment for each child that you or your partner give birth to or adopt.

Prescriptions (100% reimbursement)

Money back towards the cost of NHS prescriptions.

Personal accident*

Pay-out as a result of an accidental bodily injury.
*If an insured adult was age 75 or over at the start date of the policy then the above benefits are only payable at half the stated amounts.

Employee Assistance Programme (EAP)

24/7, 365 days a year helpline, providing counselling, medical and legal advice.

How it works

As an employer, we know that you need a reliable healthcare benefit that is easy to implement and administer, so we’ve made setting up a health cash plan as simple as possible.

Organising your cash plan is as easy as 1, 2, 3:

Step 1: Contact our account managers to chat through the benefits of each plan*. Choose the level of cover you would like. If you have over 50 employees we are happy to discuss bespoke cover arrangements for your employees.

Step 2: Choose how many employees you would like to cover

Step 3: Once we have the details above, your employees cover will start on 1st of the chosen month

If you have any questions our dedicated sales support team are here to help. Once you’ve set up the plan, your employees can start enjoying the benefits immediately. You’ll also be allocated a dedicated account manager who will be on hand to help you maximise employee engagement and ensure your employees are getting the most out of their cash plan. To help support this we will also provide posters, literature, presentations and more.

Using a cash plan couldn’t be easier for your employees

  • Your employee attends their appointment, pays the bill and keeps the original receipt, which should include the name and address of the chosen practitioner.
  • They complete and submit the claim form via post or online (remembering to attach the receipt), within 13 weeks from the date of treatment.
  • Once the claim is approved, money is paid directly into their account usually within two days.

And, in addition to claiming money back, your employees can also take advantage of the Employee Assistance Programme where they will have access to a 24/7 helpline offering counselling, medical and legal advice.

*Please note that no advice will be given in relation to the sale of this product.

Five employees minimum.

Our health cash plan product review
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Our health cash plan product review

Read what others have to say about our cash plan and how it could impact on your employees. 


Example scenario: how it can work for you and your employees

(For illustrative purposes only)

ABC Limited want to introduce a new initiative to show staff how much they are appreciated and to boost employee morale and retention levels. They decide that improving employee benefits is the answer and after doing some research they opt for a simple and affordable Level 2 Health Cash Plan for Business from Benenden, which costs only £102.36 per employee per year.

Jo is an employee at ABC Limited and she’s delighted to have been rewarded with a Level 2 cash plan. After the first year here’s all the money Jo has saved, and all the ways ABC Limited have benefited:

Life eventTreatmentMoney back for employeeEmployer benefit
Dental check up Dentist – filling and check-up £56.30 (Based on NHS Dental Band costs April 2017) No days off as Jo’s cavity was sorted before it became a problem
Getting headaches Opticians – new glasses £100  As Jo regularly uses a computer, her eyesight is really important. ABC Limited also save on corporate eyecare voucher costs
Broke tooth playing hockey Dentist – capping a broken tooth

Hospital stay – 1 night

The money back minimises Jo’s stress levels and has a positive impact on her work morale
Bad back Osteopath – 3 sessions £150 Extended time off avoided with the right treatment
  Jo claims a total of £526.30 Jo feels really valued and lucky to have an employer who cares for her wellbeing

*Based on NHS Dental Band costs April 2017


We’ve collated some of our employer frequently asked questions in the list below. If you can’t find the answer you are looking for, please do contact us.

Do my employees need a medical to get a cash plan?

No, we don’t require a medical and we don’t have an upper age limit. We believe in great healthcare for everyone, so we don’t put unnecessary restrictions on your employees; they simply have to be UK residents whilst insured under this policy.

How do I know which level to choose?

It really depends on your budget. We do not offer advice but we do have 5 levels to choose from. Contact us to find out more about the different levels, and the varying amounts your employees would be eligible to claim annually.

Is there a qualifying period?

Our plan provides immediate cover and benefits for employees as soon as the policy starts, as stipulated on the policy schedule. The only exceptions are maternity payments where you must have been a policyholder for over ten months to make a claim, and hospital-in-patients benefits which will not be paid during the first two years in respect of any health condition or related health condition, which existed or was being investigated, before cover commenced.

Who is the cash plan administered by?

Benenden’s Health Cash Plan for Business is administered by BHSF, one of the market leading cash plan providers who already work with over 3,000 employers nationwide. To find out more about them visit:


Do I have to do the admin for my employee’s claims?

No, we know you have a business to run! Once you’ve set up your plan, we send a welcome pack to your employees so they know their level of cover and benefits, it also explains how they can make a claim. BHSF process the claims and pay the money back directly into your employee’s bank account, usually within a few days. The only thing you need do is let us know is if you want a new employee added or if an employee leaves the company.

Can one of your team visit me to help me put a business case together?

Yes absolutely. You will be allocated a dedicated account manager who can come to your place of work to give you a presentation, quote and help to develop a business case on how Benenden could help reduce absenteeism and save your business money – which you can use to present to your management team and staff. Please contact us to arrange your visit.

Why should I choose Benenden for my company’s health cash plan?

At Benenden, we have been caring for employee health for over 110 years. We are a friendly mutual society, run by and set up for the benefit of our members. You can read more about our history and what we believe in here.

Contact us

Our dedicated sales team are here to help. We’ll work with you to discuss your needs and priorities to develop a healthcare solution that works for you and your employees*.

Email us or call us on 0800 414 8179 today.

*Please note that no advice will be given in relation to the sale of this product.

Hospitals you can trust nationwide
Benenden Hospitals maps

Our nationwide network of hospitals are dedicated to giving prompt diagnosis, at a wide range of state-of-the-art facilities with the very best care so your staff can concentrate on getting better quickly. Through our relationship with Bupa your employees will also have access to over 700 hospitals nationwide for diagnosis.

For those that have employees living in and around the Kent region, diagnosis and treatment is available at our founding hospital, The Benenden Hospital.

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Contact us
Call us free

0800 414 8179

9am to 5pm, Monday to Friday

Speak to our team of dedicated account managers to discuss the cover you could choose for your employees.

If you’ve any questions on how our cash plan works, you might find them answered here. Or better still, just give us a call.  

Read relevant articles and research on how to improve your employees' health and wellbeing.

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