Tel: {{cashplan_number}} Tel: 0800 414 8071
open 8.45am to 5.30pm, Monday to Friday.
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 community to help look after our members’ health and wellbeing.
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.
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 community - our health cash plans are exclusive to members of the Benenden 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 a single cover for yourself or a 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.
(You, your partner and dependent children aged under 18)
(100% reimbursement)
Lump sum payable up to:
Limits and exclusions apply, please see pages 3 & 8 of the Policy Terms and Conditions
How to use the voucher for optical on our level 1 cover
- 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.
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 2 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 £11.50 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 £62.10* 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 £22.70* and again claimed the whole cost back. That year, Jo claimed a total of £84.80 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: £474.80
Total saving: £293.60
*Based on NHS Dental Band costs April 2019
**Indicative Costs
If you would like to call us
Health cash plan customer services
Lines are open 8.45am to 5.30pm, 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
2 Darnley Road
Birmingham
B16 8TE
How to claim
The quickest way to claim is using our online portal. If you would prefer to send your claim by post, we have extended the amount of time you have to claim from 13 to 26 weeks, due to the current public health situation.
Please be aware that any additional costs relating to PPE as part of your treatment for cash plan claims with not be reimbursed. PPE is classed as a consumable, which is noted as an exclusion in the Terms & Conditions
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 noting any qualifying periods that may apply to your claim. 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. Claim by post
Complete a claim form, which can either be downloaded using the link below, or requested from our customer services team by calling 0800 414 8071. Attach this to your original receipts and send to: Benenden Health Cash Plan, PO Box 4959, Slough, SL1 0LG.
4. Claim online
Claim using BHSF’s online claims service. You will need to complete the online claim form and submit a scanned image or photograph of the original receipt. Please note that claims for hospital stays and hearing aids cannot be made online.
Did you know that you can do more online than just submitting a claim? You can also manage your contact & payment details, check available benefits, find a copy of your policy Terms & Conditions and search for local practitioners (GP, Opticians & Dentistry). Read our step-by-step guide to using your online account.
1. Before you go for a treatment
Make sure you understand what you can claim back on your policy noting any qualifying periods that may apply to your claim. 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 you form before you go. You can request a claim form to be sent to you by email by requesting one via the online claims service or by contacting our customer services team on 0800 414 8071 who can send this to you by email or post.
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 claim form and supporting documents to: Benenden Health Cash Plan, PO Box 4959, Slough SL1 0LG.
Did you know that you can do more online than just submitting a claim? You can also manage your contact & payment details, check available benefits, find a copy of your policy Terms & Conditions and search for local practitioners (GP, Opticians & Dentistry). Read our step-by-step guide to using your online account.
1. Claim by post
Complete a claim form, which can either be downloaded using the link below, or requested from our customer services team by calling 0800 414 8071. Along with the claim form, you'll need to provide a copy of the full birth/adoption certificate in support of your claim. Send both documents to: Benenden Health Cash Plan, PO Box 4959, Slough, SL1 0LG. Any original document(s) will be returned following the processing of your claim’
2. Claim online
Claim using the online claims service. You will need to complete the online claim form and submit a scanned image or photograph of the original full birth/adoption certificate.
Did you know that you can do more online than just submitting a claim? You can also manage your contact & payment details, check available benefits, find a copy of your policy Terms & Conditions and search for local practitioners (GP, Opticians & Dentistry). Read our step-by-step guide to using your online account.
Quick links:
Important Documents – Policy Terms & 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 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 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 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).
If you haven’t already, before you apply, please make sure you have read about Benenden Health Cash Plan. Once you have read the information, if you are 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 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 Health 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
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.