From 1st November 2023, the premiums of the Health Cash Plan are changing.
If you currently hold a cash plan with us, you can view full details of the changes for each plan.
Health Cash Plan
New & existing plan holders
open 8.45am to 5.30pm, Monday to Friday.
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.
We've partnered with BHSF Ltd, a fellow not-for-profit health and wellbeing provider with a history dating back to 1873 to support your cash plan needs. 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 £8.71 to £98.38 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 combined 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 working 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 policy.
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.
Benenden Health Cash Plan
Is a member exclusive product and can only be purchased if you have Benenden Health membership.
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 £8.71 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. (All prices include Insurance Premium Tax).
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 9am to 5pm, 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 information here.
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.
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, all persons insured must permanently reside at the same address as the policyholder).
Choose the right level of cover - five cover levels to choose from.
Level 1
Level 2
Level 3
Level 4
Level 5
Monthly premium for you (including IPT**)
£8.71
£17.72
£30.27
£41.30
£51.04
Monthly premium for you and your family (including IPT**)
You, your partner and dependent children aged under 18
You, your partner and dependent children aged under 18
£17.16
£34.93
£61.18
£81.07
£98.38
Cash Plan Benefits Annual limit for each adult and one shared for all children on our family cover
Cashback towards routine optical appointments like sight tests, spectacles, lenses, contact lenses or laser eye surgery.
Dental (100% reimbursement)
£50
£100
£150
£200
£250
Cashback towards routine dental appointments like dental check-ups, hygienist’s fees, treatment and dentures.
Dental Trauma (100% reimbursement)
£100
£120
£180
£240
£300
Cashback towards dental treatment required as a result of accidental injury.
Therapies (100% reimbursement)
£75
£150
£225
£300
£350
Combined benefit including physiotherapy, osteopathy, chiropractic treatment, homeopathy, reflexology and acupuncture carried out by a qualified practitioner that we recognise.
Chiropody (50% reimbursement)
£50
£100
£150
£200
£250
Includes consultation, assessment and treatment carried out by a qualified practitioner that we recognise.
Hearing Aids (50% reimbursement)
£200
£300
£400
£500
£600
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)
(10 month qualifying period)
£75
£150
£200
£300
£400
Single payment for each child that you or your partner give birth to or adopt.
NHS Prescriptions (100% reimbursement)
£25
£25
£25
£25
£25
Cashback towards the cost of NHS prescriptions.
Personal Accident*Lump sum payable up to:
£25,000
£25,000
£25,000
£25,000
£25,000
Payout as a result of an accidental bodily injury.
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'll 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 your voucher is issued.
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 wide network of opticians and retail outlets 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.
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 9am to 5pm, 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 information here.
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 a few 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 £12.80 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 £17.72 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 £70.70* 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 £25.80* and again claimed the whole cost back. That year, Jo claimed a total of £96.50 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 annual Benenden Health Cash Plan cost: £212.64
Jo claimed a total of: £486.50
Total saving: £273.86
*Based on NHS Dental Band costs April 2023
**Indicative Costs (Policy Terms and Conditions apply)
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 9am to 5pm, 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 information here.
If you would like to call us
Health cash plan customer services
Lines are open 9am to 5pm, Monday to Friday
You can also email us Benenden@bhsf.co.uk
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
Birmingham
B16 8PE
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 information here.
How to claim
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 Policy Terms & Conditions
To make sure we process your claim as smoothly as possible, please follow the steps below.
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 9am to 5pm, Monday to Friday.
You can find policy documents and useful information here.
Amends to Health Cash Plan premiums with effect from 1st November 2023
Health Cash Plan Addendum – Red (formerly Legacy)
Health Cash Plan Addendum – Amber (formerly 17-65)
Health Cash Plan Addendum (for policies purchased from 1st April 2017 onwards)
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 www.fca.org.uk/register or you can call them on 0800 111 6768. Benenden Health is a trading name of Benenden Wellbeing Limited.
About our service
Benenden Wellbeing Limited distributes the product on behalf of the insurer and underwriter, BHSF Limited. 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. Part of BHSF Group Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. BHSF registration number is 202038.
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 claim forms, please go to our how to claim section.
For plans bought before April 2017
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).
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 9am to 5pm, 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.
Please make sure you've read about Benenden Health Cash Plan before you apply. 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. By continuing, you're confirming that you are a Benenden Health member.
We have carefully selected BHSF Ltd to underwrite and administrate Benenden Health Cash Plan for our members. When you purchase a Benenden Health Cash Plan, the information you provide will be used by BHSF Ltd to arrange your Cash Plan policy as well as to administer your policy and any claims you submit. By proceeding with this application, you're giving BHSF Ltd consent to contact you about this health cash plan application via post, email or phone.
When you continue, you'll be transferred to the Benenden Health Cash Plan application form, which is issued and administered by BHSF Ltd.
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 9am to 5pm, 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 information here.
✝Only members of the Benenden Health 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 Travel Insurance policy within the last 12 months or a current health cash plan legacy product.