The affordable, personal healthcare product that's just £8.45 a month.

Are there any restrictions?

No, we only ask that you're a UK resident. There are no upper age restrictions,  medical exclusions, quotes or excesses to pay. 

Healthcare from Benenden, an award-winning mutual society.

We are not here to replicate the services already offered by the NHS; instead we aim to help our members get the highest standards of healthcare quicker than they imagined and at an affordable price. At Benenden our offer to you is simple; the opportunity to request excellent discretionary healthcare services for only £8.45 per person, per month. 

In 2014 we helped our members by saying yes 95,695 times when they asked for our help.  

How our healthcare works

No quotes, no excess, one price. £8.45 per person, per month.

As a mutual we’re able to keep our monthly fee low by offering our services on a discretionary basis. The cost of membership is the same for everyone £8.45 per person, per month, therefore there's no complicated forms, no excess and you don't need to divulge your medical history.  

Find out what is and isn't covered for £8.45 per person, per month

Sharon Vane

Being able to speak to a GP at any time is worth the monthly fee alone. 

Our members are our biggest advocates

We’ve been caring for our members for over 100 years, and currently have a membership of around 900,000. 

We were founded on the idea of mutual help. Our members and their stories are the best way to show what makes Benenden a special organisation. 

See what our members think of our discretionary healthcare product

What services do you provide?

Support and advisory helplines straight away. You can request diagnostics and treatments after 6 months. 

Access to private health facilities throughout the UK.

We have 22 approved hospitals around the country which have been carefully chosen to ensure our members are given the best care. Our aim is to have an approved hospital within one hour drive of your home.

All our approved hospitals are dedicated to giving prompt diagnosis and the very best care so you can concentrate on getting better quickly.

Find your nearest Benenden approved hospital
Join us now

£8.45 per person, per month

How it works

At Benenden we’re a different kind of healthcare provider, putting our members at the heart of everything we do, to help them to enjoy the very best of health. We are not a medical insurer, our services are offered on a discretionary basis. This means we look at each case on an individual basis to understand how long waiting lists could affect your employment or personal life and we will do our very best to help. 

We’re a mutual, not-for-profit organisation

We’ve been caring for our members for over 100 years and we’re not here to make profits for shareholders. The only people who profit are our members, using the services. The monthly member contribution of £8.45 per person, per month covers the cost of our services. There are some services which we cannot provide. Offering such services would not only push up the monthly cost of membership, but impact on the vast range of services that we provide. 

Things you need to know

  • No quotes, no excess – the price to join us is £8.45 per person, per month
  • No upper age limit - plus under 16’s can be added to existing memberships
  • No contract - You will not be under contract with Benenden and you can cancel at any time
  • Everyone is accepted – all UK residents can join us regardless of their medical history
  • Waiting lists – we aim to relieve the worry of long NHS waiting lists and get you diagnosed, treated and back on your feet as soon as possible

To fully understand how we work and why our services are offered on a discretionary basis we've created 2 short videos for you to watch. 

All about Benenden

What does discretionary mean?

Our members are our biggest advocates.

In 2014, we helped our members by saying yes 95,695 times

Our members love to share their stories with us and we feel this is one of the best ways to demonstrate how Benenden helps people in times of need. See what our members think of us!

The MRI scan you agreed to pay for helped to confirm that I had an aggressive mouth cancer which needed immediate and drastic surgery. The help I received from you has played a major part in saving my life. Before my diagnosis I worked for a doctor’s surgery and all the staff, including our doctors, were members of Benenden. You can't get a higher recommendation than that!

Diane Rapa

I had a pre-existing set of symptoms that had gone undiagnosed for about 12 years. When the symptoms worsened to the extent that I could not attend work, Benenden paid for specialist consultants to diagnose me. I now know that I have a C6/7 disk lesion and other tissue damage. Without Benenden I may never have known what was wrong with me!

Matthew Peterson

I had treatment at Benenden Hospital a few years ago. I initially contacted my GP and then due to the waiting list I contacted Benenden and was referred within a few weeks to have an Endometrial Ablation operation. The staff were absolutely amazing and made me feel so at ease that I had no fear concerning my operation at all.


Heather Maitland


Join us now

£8.45 per person, per month

Our services

At Benenden, our members experience healthcare with a difference. We work in harmony with the NHS to help our members when they need us most. You can protect anyone under your membership, there are no upper age limits, and no restrictions based on medical history.

24 hour GP advice line

Round the clock reassurance knowing you can speak to a qualified UK-based GP day or night.

24/7 counselling helpline

Help with a range of topics including, relationship problems, money worries and much much more.

Diagnostic consultation & tests

If your consultations and tests are delayed we may be able to help.

Treatment and surgery

If the NHS waiting list is causing you distress we may be able to help by funding a quicker appointment. 

Health advice line

Don't suffer in silence. Our advice line can direct you to the information and help you may need. 

Independent care advice

Through Grace Consulting we can help you assess your current circumstance and help you make an informed decision. 

Continence Care

Our nurses can provide you with a simple treatment plan that's right for you to treat urinary tract symptoms. 


Self managed or face-to-face physiotherapy may be offered to you if NHS delays are causing you distress. 

benhealth magazine

Packed with industry leading advice, interviews with household names, news stories and articles on how to keep your mind and body healthy.


Counselling and more

If you're experiencing a delayed service through the NHS we may be able to help support you with stress, bereavement and much more. 

Financial help

We may be able to provide financial help for cancer and TB with additional costs you may experience during and after your treatment. 

Full terms and conditions are contained in our Rulebook and in our Your Guide to our services. (PDF’s open in a new window)

What we do not cover

Review the range of services that we do not cover. 

What does discretionary mean?

Discretionary means we will try to help. In 2014, we helped our members by saying yes 95,695 times.

Existing member?

Understand how we work with the NHS and how you can request our services. 

Join us now

£8.45 per person, per month

Members' remarkable stories take centre stage

The stars of our national TV campaign were our very own Benenden members.  Benenden was founded on the idea of mutual help and we believe our members are the best way to show what makes us a special organisation. 

Alan Cook member since 2013

We arranged for Alan to see a specialist the next day.

Darren & Helena members since 2006

We helped Darren's daughter Helena with an MRI scan and treatment.

Jean Knowles member since 1982

Jean received prompt carpal tunnel surgery which gave her the use of her hands back.

Derrick Lyons member since 1968

Derrick received keyhole knee surgery 7 months quicker than on the NHS.

Rebecca Ward member since 2010

We helped Rebecca get physiotherapy the same day.

Kevin Thorpe member since 1994

We helped Kevin get a speedy diagnosis.

Michael Samborne member since 2008

Michael received treatment for varicose veins when the NHS couldn't help him.

Ann Conroy member since 2005

Ann discovered she needed an urgent heart bypass a year after joining

Dennice member since 2014

Ideal World presenter Dennice tells us why she's a fan of Benenden and why she signed up.

Get involved

If you're a member and are happy to share your experiences please email to find out more. 

Help our community to grow by telling family, friends and colleagues about the benefits of Benenden Personal Healthcare. Or you can add them to your membership.

I recently had to have quite a big operation. As the waiting list for the NHS was long I was able to have this done through Benenden. For me this was wonderful because it has improved my quality of life. The local private hospital, Exeter Nuffield, was extremely good and I was grateful to have access to this service, the level of care was excellent.


Jennifer Mitchelmore 

Benenden has enabled me to see the people that I needed to promptly. What a fantastic service you offer if I hadn’t had the operation I wouldn’t have known about the cancer. Having the support and help that I have had from Benenden has taken away an awful lot of stress and anxiety. Thank you again.


Mr Kevin Thorpe 

I have been a member of Benenden for over 20 years and believe the peace of mind my membership brings is well worth the modest monthly payments. I was delighted with my recent treatment and I am now looking forward to getting on with my life and returning to work sooner rather than later. Thank you!


Penelope Busby

Join us now

£8.45 per person, per month

Joining online

It's easy to join Benenden. Our online join form has 2 steps to complete. Here's what to expect; 

  • Step 1 Enter your details including your name, address and contact details. You also have the opportunity to add additional members. 
  • Step 2 Secure payment – enter your bank details to set up a monthly/annual Direct Debit or pay annually by Credit Card.   

Still not sure if Benenden is right for you?

Here's a quick reminder why you should join the UK's most trusted healthcare provider for 5 years running (Voted for by Moneywise
2011 - 2015) and where every member pays the same low monthly fee of just £8.45 per person, per month.

We’ve been caring for our members for over 100 years.

We aim to reduce the worry of long NHS waiting lists to get you back on your feet as soon as possible.

Advice, Stress and health helplines available straight away.

Diagnosis, Physiotherapy and Financial help can be requested after 6 months.

Join us now

£8.45 per person, per month

Offer available when you join or add friends or family online.

New members

M S Vouchers Precious 4We're offering everyone who joins Benenden £10 worth of M&S vouchers, plus an additional £10 M&S voucher for every friend or family member you add to your membership online until 30th November 2015.

Vouchers will be sent within 52 days of the join date.

Existing members benefit too

If you're already a member of Benenden and pay by Direct Debit you can also take advantage of our special offer. For every friend or family member you add to your membership online we'll give you a £10 M&S voucher until 30th November 2015.

Vouchers will be sent within 52 days of the join date.

Terms & Conditions

  • If you are a new member you will receive £10 worth of M&S vouchers for joining and a £10 M&S voucher per friend or family member added online until 30th November 2015.
  • If you are an existing member you will receive a £10 M&S gift voucher per friend or family member added to an existing membership online until 30th November 2015.
  • To qualify for the incentive the new joiner and/or nominee must have joined online and must remain with the Society beyond the 14 day cooling off period.
  • No alternative to this promotion will be offered.
  • Vouchers will be sent within 52 days of the join date.
  • Offer subject to availability.
Join us now

Contact us - We would love to hear from you

new members

Send us a message

Benenden Personal Healthcare
Holgate Park Drive
YO26 4GG
0800 414 8001 * (Lines open 8am-5pm, Mon-Fri excluding Bank Holidays)

existing members

Send us a message

Benenden Personal Healthcare
Holgate Park Drive
YO26 4GG
0800 414 8100 * (Lines open 8am - 8pm, Mon-Fri excluding Bank Holidays)

Health cash plans

Send us a message

Benenden Health Cash Plan
1st Floor
Tower Court
Courtaulds Way
0800 970 6517*

self-pay orthopaedic surgery

Send us a message

Benenden Hospital Trust
Goddard's Green Road
TN17 4AX
01580 242 521 (Lines open 9am-5pm Mon-Fri)

health assessments

Send us a message

Health assessments
Unit 1, Cameron Court
Cameron Street
Hillington Park
G52 4JH
0800 414 8486*

travel insurance

Send us a message - 65 and under

Send us a message - 66 plus

Travel insurance
10th Floor Maitland House
Warrior Square
0800 414 8301*

Benenden Business Healthcare

Send us a message

Benenden Business Healthcare
Holgate Park Drive
YO26 4GG
0800 414 8185 * (Lines open 8.30am-4.30pm Mon-Fri)

Home Insurance

Benenden Home Insurance
1st Floor Maitland House
Warrior Square
Southend on Sea
0800 414 8556*

charitable trust

Send us a message

Find out more

Charitable Trust
Holgate Park Drive
YO26 4GG
0800 414 8450* (Lines open 8am - 4pm Tues-Fri)