Health cash plans

Introducing Benenden Health Cash Plan

With your personal healthcare, you’ll know that it’s there for you when you’re unwell and helps you get the diagnosis and treatment you may need.

This is where the Benenden Health Cash Plan comes in. With a Benenden Health Cash Plan, we can now support you with your routine healthcare needs like dental, optical or therapies for even when you’re healthy and well.

From £6.11 per month
Benenden Health Cash Plan
Reasons to choose Benenden Health Cash Plan
  • 5 levels of cover to suit your needs from £6.11 to £36.96 per month – you can claim back on optical, dental, therapies and more
  • 100% CASHBACK on dental, optical and therapies – you can claim 100% cashback on combined therapies like Physiotherapy, osteopathy, acupuncture and more, up to the maximum benefits of the level of cover you choose
  • No upper age limit and no medicals when you join – we have cover for all ages and you can choose cover for an individual or for you and your family
  • All dependent children are covered for free on a family cover – our family policy provides cover for you, your partner and all dependent children 18 years or under
  • We reinvest our surplus funds back into our community – any surplus funds received from Benenden Health Cash Plan is reinvested back into the Benenden community to help look after our members’ health and wellbeing
What does our Health Cash Plan cover
  • Optical up to £250
  • Dental up to £250
  • Therapies up to £350
  • Hospital stays up to £50 per night / £40 per day
  • Chiropody up to £250

The maximum benefit you can claim back will depend on the level of cover you choose. View more information about our 5 levels of cover.

What is a Benenden Health Cash Plan?
Simple and affordable, the Benenden Health Cash Plan is the perfect way to spread the cost of your routine healthcare and cover yourself for many other unexpected expenses. Even though we know we have regular check-ups like dentists and opticians to pay for, they often slip through our plans and can easily mess up the monthly budget.

Benenden Health Cash Plan makes perfect sense. With a single monthly payment from as little as £6.11 on our level 1 cover, you can get 100% cashback on your regular (Dental, Optical and Therapy) healthcare bills, and pay-outs for more unexpected health issues like hospital stays. And to make life even easier, all payments to you can go straight into your bank account.

Apply now

 

Cover levels

Choose your cover in 3 simple steps:

1. Make sure you're an existing Benenden member - our health cash plans are exclusive to Benenden members. If you’re not already a member, find out the benefits of becoming a member here.

2. Choose the type of cover you need - You can choose from a single cover for yourself or a family cover. Our family cover will be for you, your partner and dependent children aged 18 years and younger.

3. Choose the right level of cover - from five cover levels to choose from.

  Reimbursement Level Level 1 Level 2 Level 3 Level 4 Level 5

Monthly premium for you

n/a

£6.11

£11.84

£21.49

£29.44

£36.96

Monthly premium for you & your family (You, your partner & dependent children aged 18 & under)

n/a

£12.22

£23.08 £41.90 £57.43 £72.08
 Cash Plan Benefits - (Annual limit for each adult and one shared for all children on our family cover)

Optical

100%

£52.50 or voucher (view details)

£100

£150

£200

£250

Cashback towards routine optical appointments like sight tests, spectacles, lenses, contact lenses or laser eye surgery.

Dental

100%

£50

£100

£150

£200

£250

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

Dental Trauma

100%

£100

£120

£180

£240

£300

Cashback towards dental treatment that is a result of accidental injury.

Therapies

100%

£75

£150

£225

£300

£350

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

Chiropody

50%

£50

£100

£150

£200

£300

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

Hearing Aids

50% £200 £300

£400

£500

£600

Cashback towards purchasing a hearing aid from a registered hearing aid dispenser. 

Hospital in-patients

100% £10 per night £20 per night £30 per night

£40 per night

£50 per night

Cash amount for each night, up to 30 nights per year following an in-patient stay in the hospital. 

Hospital Day Case

100% £10 per day £20 per day £25 per day £30 per day £40 per day

Cash amount for each day, up to 6 days per year following admission as a day case patient. 

New Child/

Adoption Benefit

100% £75 £150 £200 £300 £400

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

Prescriptions

100% £25 £25 £25 £25 £25

 Cashback towards the cost of NHS prescriptions.

Personal Accident

100% £25,000 £25,000 £25,000 £25,000 £25,000
 Pay-out as a result of an accidental bodily injury.
How to use the voucher for optical on our level 1 cover

You can get more value for your money when you can choose our ‘Eyecare Plan’ voucher option worth £52.50. The voucher will cover the cost of both lenses and frames from an approved product range.

You can redeem the voucher from a network of over 2,200 retail outlets (including Boots opticians) across the UK. 3 simple steps on how to use the voucher:

  1. Simply request your ‘Eyecare Plan’ voucher by calling 0800 414 8071.
  2. Your voucher will be posted to you along with a list of the available retail outlets. The great news is, you don’t even need to spend money upfront as there is no financial outlay.
  3. Redeem your voucher when you visit one of the approved locations. You don’t need to make a claim; this will automatically be deducted from your optical benefit as soon as you request your voucher.

Please note that alternatively you can claim the £52.50 cash back if you don’t want to use the ‘Eyecare Plan’ voucher.

 

How it works

You choose your type of cover (for you or you and your family) at the level you choose. You can choose from 5 levels
of cover.1.Visit your healthcare professional for routine appointments like dental or optical. Get your receipt as per normal.2.Submit your claim form along with your receipts, either by online or post.3. You’ll receive your money back in your bank usually within a few days.

You choose your type of cover (for you or you and your family) at the level you choose. You can choose from 5 levels
of cover.1.Visit your healthcare professional for routine appointments like dental or optical. Get your receipt as per normal.2.Submit your claim form along with your receipts, either by online or post.3. You’ll receive your money back in your bank usually within a few days.

How it can work for you

Take a look at this typical example of how Benenden Health Cash Plan works.

(Scenario is for illustrative purposes only)

Meet Jo, she is a Benenden member. She has a Benenden Personal Healthcare and Health Cash Plan. Jo is generally fit and healthy and even when she is, she pays £9.10 per month on her personal healthcare membership for the peace of mind that if she becomes unwell, she can call on her personal healthcare membership to help get diagnosis and treatment when she needs it.

Jo has health cash plan level 2 personal cover and pays £11.84 a month. Jo goes to the dentist in January for a routine check-up and a clean-up by the hygienist. Her dentist finds a small cavity that needs a filling. Jo pays £56.30* and claims the whole cost back on her Benenden Health Cash Plan cover. She goes back in July for another routine check-up, she’s been brushing and flossing regularly and luckily there’s no work required. Jo pays £20.60*, again claiming the whole cost back. A total for the year of £76.90.

In May, Jo gets a reminder from her optician that she’s due for another eye test. They find that her sight has changed and she needs new glasses. Jo chooses a 2 for 1 deal on designer frames and looks fabulous for £127.50**. She claims her full limit of £100 from her Health Cash Plan.

Jo is a keen hockey player and, during a match in July, she took the full force of a wild high stick. Jo was momentarily knocked out and woke to find she had a split lip and a broken tooth. She had to spend the night in hospital as a precaution because of her concussion and later that week had her broken tooth capped at a cost of £115.60**. Jo found she could claim back the cost of repairing her tooth because there is a separate limit for dental trauma. Also Jo claimed £20 for her night in hospital. That certainly helped to ease the pain.

After the accident, Jo experienced pain in her jaw and consulted an osteopath for treatment. After three sessions costing £165, Jo was back to her old self and delighted that she could recover £150 of the cost from her Benenden Health Cash Plan.

Jo’s Benenden Health Cash Plan cost £142.08

Jo claimed a total of £462.50

*Based on NHS Dental Band costs April 2017

**Indicative Costs

Check your plan number first - it is vital to use the correct claim form to ensure payment

To make sure we process your claim as smoothly as possible, please follow the steps below:

1. Does your policy start with BEN1? If you purchased your policy BEFORE APRIL 2017 please go to our BUPA administered claims section. Your claim will be processed by Bupa Insurance Services Limited, the underwriter of Benenden Health Cash Plans taken out before April 2017.

Plans taken out BEFORE April 2017 →

 

2. Does your policy start with BEN2? If you purchased your policy AFTER APRIL 2017, please follow the process in our BHSF administered claims section. Your claim will be processed by BHSF Limited, the new underwriter of Benenden Health Cash Plan.

Plans taken out AFTER April 2017 →

PLEASE MAKE SURE YOU USE THE CORRECT SECTION AND CLAIM FORMS RELATING TO YOUR PLAN. CLAIM FORMS COMPLETED IN ERROR AND/OR SENT TO THE WRONG ADDRESS WILL NOT BE PROCESSED AND WILL SLOW DOWN YOUR CLAIM.

Check your plan number first

To make sure you have the most up-to-date information for your specific cash plan, please make sure you select the correct section from below

1. Does your policy start with BEN1? If you purchased your Benenden health cash plan BEFORE APRIL 2017 please go to our BUPA administered useful information section.These plans are administered by Bupa Insurance Services Limited, the underwriter of Benenden Health Cash Plans taken out before April 2017.

Plans taken out BEFORE April 2017 →

 

2. Does your policy start with BEN2? If you purchased your policy AFTER APRIL 2017, please go to our BHSF administered useful information section. These plans are adiministered by BHSF Limited, the new underwriter of Benenden Health Cash Plans taken out after April 2017.

Plans taken out AFTER April 2017 →

Please make sure you use the correct section to make sure you have the correct information for your plan.

Are you a Benenden member?

Our Health Cash Plans are exclusively for Benenden members. If you're not a member, you can find out more here.

If you are a member please click on the button below to continue. When you continue to apply, you will be transferred through to the Benenden Health Cash Plan application form which is issued and administered by BHSF Limited. By continuing, you are confirming that you are a Benenden member.

I'm a Benenden member.
Apply now.

By proceeding with this application, you are giving us consent to contact you about this health cash plan application via post, email or phone.