We're not health insurance, we're different

The world of healthcare can be overwhelming when you’re looking to cover yourself or your family. So it’s understandable that you may still have questions about personal healthcare from Benenden, e.g., who we are and what we do.

Choosing health cover for you and your family

Benenden offers discretionary healthcare for only £9.10 per person per month and works differently to a private medical insurer. We provide diagnosis, treatment and support for a wide range of common health conditions on a discretionary basis, whilst complementing the NHS. Private medical insurers often provide guaranteed peace of mind to cover common and critical health conditions including cancer, and heart conditions in the future. Find out more about our affordable personal healthcare or join us today.

The comparison below is based on a mid-range policy as seen on comparethemarket.com which provides full treatment and cancer with limited cover of diagnostics from a typical private health insurer. 

What’s the difference?
This table is intended to highlight some of the primary differences between the products and is not a comprehensive comparison of all the product features. The information should not be construed as advice or as a recommendation.
Benenden Personal Healthcare
Typical mid-range health insurance
Accept pre-existing medical conditions?
Benenden Personal Healthcare
Everyone is accepted. All UK residents can join Benenden regardless of their medical history
Typical mid-range health insurance
Pre-existing conditions are usually not covered or there may be an increase in premium due to risk
Access to diagnosis & treatment?
Benenden Personal Healthcare
After 6 months of membership we may be able to help you get a faster diagnosis if the NHS waiting list is causing you distress
Typical mid-range health insurance
Access to diagnostics tests and consultations. Pre-existing conditions are usually excluded.
Provide cancer cover?
Benenden Personal Healthcare
We do not cover cancer treatment. At Benenden we believe the NHS does a fantastic job, and we don't aim to replicate the excellent care services they already provide. 
Typical mid-range health insurance
Will usually include access to drugs and treatment for cancer.
How much does it cost?
Benenden Personal Healthcare
Everyone pays the same rate at £9.10 per month. As a member, you have the equal rights to request our services and we do not exclude on individual circumstances.
Typical mid-range health insurance
For the cover provided the price will usually differ based on your individual circumstances
How much would it cost to add additional people?
Benenden Personal Healthcare
Everyone pays the same rate of £9.10 regardless of age. So a family of 4 would cost £36.40
Typical mid-range health insurance
For the cover provided the price will usually differ based on your individual circumstances

Choosing a policy?

We’re not here to tell you what’s right for you and your family as every situation is different. When considering or comparing healthcare, think about the following; 

Benenden Personal Healthcare might not be right for everyone, but everyone should consider healthcare.

Find out more Join us

Contact us - We would love to hear from you

New members

Send us a message

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

Existing members

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

Please note that your call may be recorded for our mutual security and also for training and quality purposes.

Health cash plans

Benenden Health Cash Plan
BHSF Limited
2 Darnley Road,
Birmingham,
B16 8TE
0800 414 8071

Lines are open 8.45am to 5.30pm Monday to Friday.

Self-pay orthopaedic surgery

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Benenden Hospital Trust
Goddard's Green Road
Benenden
Cranbrook
Kent
TN17 4AX
01580 242521 (Lines open 8am-4.30pm Mon-Fri)

Health assessments

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

Travel insurance

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Travel insurance
2nd Floor Maitland House
Warrior Square
Southend-on-Sea
Essex
SS1 2JY
0800 414 8301*

Lines open for Sales
9am-8pm Monday to Friday 
9am-5pm Saturday
10am-5pm Sunday

Lines open for Customer Services
9am-8pm Monday to Friday
9am-5pm Saturday
10am-5pm Sunday

Benenden business healthcare

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Benenden Business Healthcare
Holgate Park Drive
York
YO26 4GG
0800 414 8179* (Lines open 9am-5pm Mon-Fri)

Home insurance

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Benenden Home Insurance
1st Floor Maitland House
Warrior Square
Southend on Sea
Essex
SS1 2JY
0800 414 8556* (Lines open Monday to Friday 9am – 7pm, Saturday 9am – 5pm, excludes Bank Holidays)

Home Emergency
0800 294 2851* (Lines open 24 hours a day)

Legal Expenses
0330 100 9618* (Lines open 24 hours a day)

Charitable trust

Send us a message

Find out more

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