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Health Cash Plan
New & existing plan holders

open 8.45am to 5.30pm, Monday to Friday.

Dad helping to brush daughter's teeth

Health Cash Plan

Smile, with money back on everyday healthcare.

  • 5 levels of cover to suit your needs from £7.65 to £75.90 per month.

  • 100% money back on dental, optical and therapies.

  • No upper age limit and no medicals when you join.

Health Cash Plan

The costs of day-to-day healthcare can soon mount up

Trips to the dentist, optician and therapy appointments don’t come cheap. This is where the Benenden Health Cash Plan comes in.

Exclusively for members of the Benenden Health community to purchase, the cash plan is an affordable way to manage routine healthcare costs like dental, optical and therapies for even when you’re healthy and well.

Choose from five levels of cover to best suit your needs, whether that’s for you as an individual or for you and your family.

Reasons to choose Benenden Health Cash Plan

  • 5 levels of cover to suit your needs from £7.65 to £75.90 per month.

    You can claim back on optical, dental, therapies and more.

  • 100% money back on dental, optical and therapies.

    On completion of a 13 week qualifying period you can claim 100% money back on combined therapies like physiotherapy, osteopathy, acupuncture and more, up to the maximum benefits of the level of cover you choose.

  • You can claim online or by post.

    Money will be paid directly into your bank account usually within a few days after receiving your claim.

  • 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 (one shared annual limit for all children on the policy).

  • We reinvest our surplus funds back into our community.

    Any surplus funds received from Benenden Health Cash Plan is reinvested back into the Benenden Health 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

  • Plus much more

Benefits are based on Level 5 cover per policy year. View more information about our 5 levels of cover. Exclusions do apply - read our policy terms and conditions for more information.

What is a Benenden Health Cash Plan?


The Benenden Health Cash Plan is a simple and affordable 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.

With a single monthly payment from as little as £7.65 on our level 1 personal cover, you can get up to 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 member of the Benenden Health community - our health cash plans are exclusive to members of the Benenden Health community. If you’re not already a member, find out more about becoming a member here.

  • Choose the type of cover you need - You can choose from single or family cover. Our family cover will be for you, your partner and any dependent children aged under 18 named on the policy (one shared annual limit for all children on the policy).

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

Level 1
Level 2
Level 3
Level 4
Level 5
Monthly premium for you
Monthly premium for you and your family
(You, your partner and dependent children aged under 18)
Cash Plan Benefits Annual limit for each adult and one shared for all children on our family cover
Optical (100% reimbursement)
£52.50 or voucher
View details
Cashback towards routine optical appointments like sight tests, spectacles, lenses, contact lenses or laser eye surgery.
Dental (100% reimbursement)
Cashback towards routine dental appointments like dental check-ups, hygienist’s fees, treatment and dentures.
Dental Trauma (100% reimbursement)
Cashback towards dental treatment required as a result of accidental injury.
Therapies (100% reimbursement)
Combined benefit including physiotherapy, osteopathy, chiropractic treatment, homeopathy, reflexology and acupuncture carried out by a qualified practitioner that we recognise.
Chiropody (50% reimbursement)
Includes consultation, assessment and treatment carried out by a qualified practitioner that we recognise.
Hearing Aids (50% reimbursement)
Cashback towards purchasing a hearing aid from a registered hearing aid dispenser.
Hospital in-patient*
£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 policy year following an in-patient stay in the hospital.

Hospital Day Case Surgery*
£10 per day
£20 per day
£25 per day
£30 per day
£40 per day
Cash amount for each day, up to six days per policy year following admission as a day case patient.

New Child/Adoption Benefit
(10 month qualifying period)
Single payment for each child that you or your partner give birth to or adopt.
NHS Prescriptions (100% reimbursement)
Cashback towards the cost of NHS prescriptions.
Personal Accident*
Lump sum payable up to:
Payout as a result of an accidental bodily injury.

Limits and exclusions apply, please see pages 3 and 8 of the Policy Terms and Conditions

How to use the voucher for optical on our level 1 cover


How it works
  • Simply request your ‘Eyecare Plan’ voucher code by calling 0800 414 8071.
  • You will be emailed a link to an online portal where you will be able to request your voucher code and view the available retail outlets. The great news is, you don’t even need to spend money upfront as there is no financial outlay.
  • Redeem your voucher code 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 use your voucher.
Get the most from your voucher

You can get more value for your money when you 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.

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

How the Benenden Health Cash Plan works

  • Choose a suitable level of cover for you or you and your family

  • Attend your routine health appointments, such as visits to the dentist or optician and get a receipt as normal

  • Submit your claim form and any receipts by post or claim online

  • Claims are paid directly into your bank account, usually within two working days of receiving your claim

How the cash plan can work for you

Take a look at this example of how Benenden Health Cash Plan works. (Scenario is for illustrative purposes only)

Meet Jo, a Benenden Health member who has Benenden Healthcare and a Benenden Health Cash Plan. She pays £11.90 a month on her healthcare membership for the peace of mind that if she becomes unwell, she can request diagnosis and treatment when she needs it. She also pays £15.10 a month for her Level 2 health cash plan cover.

In January, she went to the dentist for a routine check-up and clean by the hygienist. Her dentist found a small cavity that needed filling. So she paid her dentist £65.20* and claimed the whole cost back on her Benenden Health Cash Plan dental benefit. She went back in July for another routine check-up, and luckily she didn’t need any work done, so she paid the dentist £23.80* and again claimed the whole cost back. That year, Jo claimed a total of £89 out of her £100 dental benefit.

In May, Jo went for an eye test and found that her sight had changed and needed new glasses. She paid £127.50** for her eye test and designer frames and claimed her full optical benefit of £100 from her health cash plan.

Jo is a keen hockey player and, during a match, she took the full force of a wild high stick which knocked her unconscious. She woke up to find she had a split lip and a broken tooth. She spent a night in hospital as a precaution from her concussion and had her broken tooth capped at a cost of £269.30**. As dental trauma is a separate benefit on her Benenden Health Cash Plan, she claimed back £120 of repairing her tooth. She also claimed £20 for her night in hospital.

After the accident, Jo experienced pain in her jaw and consulted an osteopath. After three sessions costing £165**, she claimed back £150 of the cost from her Benenden Health Cash Plan therapies benefit.

Jo’s Benenden Health Cash Plan cost: £181.20

Jo claimed a total of: £479

Total saving: £297.80

*Based on NHS Dental Band costs January 2021
**Indicative Costs

If you would like to call us

Health cash plan customer services

0800 414 8071

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

You can also email us

Making a complaint 

At Benenden Health Cash Plan we do everything we can to make sure that you receive a high standard of service. If you think that we haven’t given you the service you expected, we’d like you to let us know so that we can try to put things right. If you’re not happy you can contact our customer services on 0800 414 8071 or you can write to us at the address below:

Benenden Health Cash Plan
BHSF Limited
13th Floor
54 Hagley Road
B16 8PE

The quickest way to claim is using our online portal but you can still submit any claims by post if this is your preferred method. All claims must be submitted within 26 weeks of the date of treatment – full details of the claims procedure can be found in the Terms & Conditions

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


Quick links:

Important Documents – Policy Terms and Conditions 
Important Documents – Insurance Product Information Document 

About Benenden Health Cash Plan

Who regulates us?

Benenden Health Cash Plan is distributed by Benenden Wellbeing Limited, an insurance intermediary, which is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 593286). Registered in England and Wales (Company No 8271017). Benenden Wellbeing Limited is a wholly owned subsidiary of The Benenden Healthcare Society Limited. Registered Office of both: Holgate Park Drive, York, YO26 4GG. You can find us on the Financial Services Register at or you can call them on 0800 111 6768. Benenden Health is a trading name of The Benenden Healthcare Society Limited.

About our service

Benenden Wellbeing Limited distributes the product on behalf of the insurer. You will not receive advice or a recommendation from us. This means that you need to make your own decision as to the suitability of the product for your circumstances.

About the product

Benenden Wellbeing Limited only offers a Health Cash Plan from a single insurer, BHSF Limited.

What you will have to pay us for our service

Benenden Health do not charge you any fees in relation to your Health Cash Plan.

What we receive

BHSF Limited pays Benenden Wellbeing Limited a percentage commission from the total premium to sell the product on their behalf.

Making a complaint

If you think that we haven’t given you the service you expected, we’d like you to let us know so that we can try to put things right. If you’re not happy you should contact our Customer Relations team, using the address shown in your documentation. If they can’t resolve your complaint they’ll let you have written confirmation of our final response so you can refer the matter to the Financial Ombudsman if you’d like to do so. This won’t affect your right to take legal action.

Financial Services Compensation Scheme

This service is covered by the Financial Services Compensation Scheme (FSCS) – further information can be found in the policy documentation.

For plans taken out from 1st April 2017
For plans bought before April 2017

Please make sure you've read about Benenden Health Cash Plan before you apply, if you haven't already. Once you've read the information, if you're happy to proceed, please apply using the button below.

Are you a Benenden Health member?

Our Health Cash Plans are exclusively for members of the Benenden Health community. 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, you'll be transferred to the Benenden Health Cash Plan application form, issued and administered by BHSF Limited. By continuing, you're confirming that you are a Benenden Health member.

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

I'm a Benenden Health member - apply now

Contact us

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

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

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.


Only members of the Benenden community are eligible to apply for the Benenden Health Cash Plan. To be eligible, you need to have at least one of the following products; a current Benenden Health membership, have purchased a Benenden Home Insurance or Travel Insurance policy within the last 12 months or a current health cash plan legacy product.