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Discretionary personal healthcare for just ◇£9.10 per person, per month

Please note the cost and benefits of Benenden membership are reviewed on an annual basis. On 1st April 2018 we will be making enhancements and changes to membership benefits and the price will increase from £9.10 to £10.25 per person per month or £123.00 if paying annually. More details can be found at

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, a 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 £9.10 per person, per month. 

In 2015 we helped our members by saying yes 96,065 times when they asked for our help.

Already a member? Register now or login for online servicing and rewards.

How our healthcare works

Sharon Vane

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

No quotes, no excess, one price. £9.10 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 £9.10 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 £9.10 per person, per month

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 a large network of hospitals and clinics around the country for members to access. Our aim is to have one within a one hour drive of your home. 

All of them 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

How it works

At Benenden we’re an alternative to private healthcare, 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 110 years and we’re not here to make profits. The only people who profit are our members, using the services. The monthly member contribution of £9.10 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 £9.10 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. 

Darren & Helena

We helped Helena with an MRI scan and treatment.

What does discretionary mean?

Our members are our biggest advocates.

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!

Our health services

At Benenden, our members experience healthcare with a difference. You can protect anyone under your membership, there are no upper age limits, and no restrictions based on medical history. Our services are discretionary, which means we work in harmony with the NHS to help our members when they need us most. To make the best use of our members’ funds, we sometimes recommend staying with the NHS but in many cases, we’ll be able to help you. 

24/7 GP Advice

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

Find out more

Health concern support

Our Member Services team can help with many different health and lifestyle concerns, including directing you to local, specialist support groups. 

Find out more

Diagnostic consultation & tests

If your consultations and tests are delayed we may be able to help get you a faster diagnosis.

Find out more

Treatment and surgery

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

Find out more

Psychological Wellbeing 24/7 Helpline

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

Find out more

Independent care advice

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

Find out more

Continence Care

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

Find out more


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

Find out more

Be Healthy magazine

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

Find out more


Psychological Wellbeing

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

Find out more

Financial assistance

We may be able to help you if you are experiencing financial hardship as a result of treatment following a diagnosis of cancer or TB.

Find out more

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. 

Find out more

What does discretionary mean?

In 2015, we helped our members by saying yes 96,065 times.

Existing member?

Understand how we work with the NHS.

Find out more

Join us now

£9.10 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.

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.

Join us now

£9.10 per person, per month

March Online Special Offer: Up to £50 M&S gift card† when you join online & add family/friends

Joining Benenden offer you affordable healthcare and peace of mind. Why not extend that to the people you care about by adding them to your membership when you join. Not only will you have the reassurance that they will be looked after too but they’ll have access to the full range of healthcare services at the same price of £9.10 per person.

As a thank you, we’ll give you an M&S gift card when you join online. It works like this:

  • £10 M&S gift card if you join online
  • £30 M&S gift card if you join online and add another person to your membership
  • £50 M&S gift card if you join online and add 2 or more people to your membership

All additional family/friends must be added at the point of joining online to qualify for the offer. Offer continues until midnight 31st March 2018.

Benenden Health Cash Plan

Terms & Conditions

  • If you are a new member joining online, you’ll receive a £10 M&S gift card. If you're a new member and at the point of joining online you add one additional person you will receive £30 M&S gift card. Finally, if at the point of joining online you add two or more additional persons, you will receive £50 M&S gift card. Offer continues until midnight 31st March 2018.
  • To qualify for the incentive, the new joiner must join online and add at least the minimum number of members for the incentive amount listed.
  • This offer is only applicable for new members, and not available for existing members.
  • Gift cards will be sent within 52 days of the join date. No alternative to this promotion will be offered.
  • Both your own and any additional people on your membership must still be in force when we send the gift cards in order to qualify for the offer.
  • Offer subject to availability. We reserve the right to withdraw or change this incentive at any time.

Join Benenden online or by phone

Whether you prefer online or by telephone, joining Benenden is easy

Online 24/7

You can join us online day or night, all year round. You can pay monthly or annually by direct debit or annually by debit/credit card.

Join online

By phone - using the number at the top of the page

Our member enrolment team are waiting to take your call and are happy to answer any questions you may have.

Lines are open 9am to 5pm, Monday to Friday, excluding bank holidays.