open 8.45am to 5.30pm, Monday to Friday.
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.
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% money back on dental, optical and therapies – you can claim 100% moneyback 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 under 18 years old
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
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.
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% money back 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.
Choose your cover in 3 simple steps:
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.
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 under 18.
Choose the right level of cover - from five cover levels to choose from.
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:
Please note that alternatively, you can claim back up to £52.50 if you don’t want to use the ‘Eyecare Plan’ voucher.
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
To make sure we process your claim as smoothly as possible, please follow the steps below
1. Before you go for a treatment
Make sure you understand what you can claim back on your policy. You can check this from your plan terms and conditions. Alternatively, you can contact our customer services team on 0800 414 8071 for details of your benefits and recognised practitioners. Please remember to have your policy number to hand when you contact us.
2. Receive treatment and settle the account in full
Pay your bill with the practitioner and don’t forget to obtain a fully paid, itemised and dated receipt (including date of treatment(s), the practitioner’s details, the items you purchased and the claimant’s name). Please note that receipts which do not include this information may be returned to you as a result.
3. Complete your claim form
In order to make a claim, you will need to submit a completed claim form along with the original receipts which should include the name and address of your chosen practitioner. You can download a claim form here or below. You can also request for a claim form to be sent to you either by post or email by calling our customer services team on 0800 414 8071.
4. Submit your claim form along with your original receipts
Don’t forget to attach your original receipts (you may want to keep a copy for your records) and supporting documentation as we will require these to process your claim. Submit your completed claims forms to: Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.
5. Submit your claim form
Submit your completed claims forms to and supporting documents to: Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.
1. Before you go for a treatment
Make sure you understand what you can claim back on your policy. You can check this from your plan terms and conditions. Alternatively, you can contact our customer services team on 0800 414 8071 for details of your benefits. Please remember to have your policy number to hand when you contact us..
2. Start completing your claim form
As you will need the hospital to sign your claim form as evidence of your hospital stay, it might be a good idea to start completing your form before you go. You can download a claim form here or below. You can also request for your claim forms to be sent to you via email or post by calling our customer services team on 0800 414 8071.
3. Receive treatment
Following your stay, make sure you ask the hospital to complete the relevant sections on your claim form and stamp the form to confirm the length of stay. If the hospital is unable to sign your claim form, you can submit your discharge notes to evidence dates of your hospital stay.
4. Submit your claim form
Submit your completed claims forms to and supporting documents to Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.
1. Complete your claim form
In order to make a claim you should submit a claim form to us by post. You can download a claim form here or below. You can also request for your claim forms to be sent to you via post or email by calling our customer services team on 0800 414 8071.
2. You will need to send us the original birth or adoption certificate
Along with the claim form, you will need to provide a copy of the full birth/adoption certificate in support of your claim. Your original receipt(s) will be returned following the processing of your claim
3. Submit your claim form
Submit your completed claims forms to and supporting documents to: Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.
View some useful documents below. For claim forms, please go to our how to claim section.
From 1st July 2017, all Benenden Health Cash Plans are administered by BHSF Limited. As such, 'Legacy', '17-65' and '66 plus' plans have been renamed to Red, Amber and Green respectively (see below)
Health cash plans customer services - 0800 414 8071
Lines are open 8.45am to 5.30pm Monday to Friday.
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.
By proceeding with this application, you are giving us consent to contact you about this health cash plan application via post, email or phone.
You can speak to one of our health cash plan specialists to discuss the types of cover available for you and your family.
Call us on 0800 414 8071
To make sure your claim process is as smooth as possible, here’s the step by step guide on how to claim.
You can find policy documents and useful phone numbers here.
