New members
Want to join us/add family?
Tel: {{healthcare_number}} Tel: 0800 414 8001


8am to 5pm, Mon - Fri

Existing members
Questions about your membership?
Tel: {{}} Tel: 0800 414 8100


8am to 8pm, Mon - Fri

Existing members
24/7 GP Advice
Tel: {{}} Tel: 0800 414 8247
24/7 Psychological Wellbeing helpline
Tel: {{}} Tel: 0800 414 8247


Open 24 hours, 7 days a week

The affordable alternative to health insurance

THE AFFORDABLE ALTERNATIVE TO HEALTH INSURANCE

  • Only £10.25 a month - everyone pays the same

  • No exclusions for pre-existing conditions on joining

Healthcare

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Why consider healthcare?

While the NHS provides a great service, increasing pressure on NHS budgets means that demand for services can outstrip the resources. This can lead to significant waiting lists for both diagnosis and treatment and could impact on your quality of life and long-term health.

Most people have to rely on the NHS alone, not many can afford to pay for expensive private medical insurance. Benenden provides a third way because we complement the NHS, we can provide healthcare for just £10.25 a month - a low cost alternative to Private Medical Insurance.

We help our members to avoid the worry and complications that waiting can often bring complementing the good work of the NHS by providing our members with speedy access to medical experts, and when the need arises, opening the door to private medical care in cases where they would face a lengthy wait for an NHS diagnosis or treatment.

We are not a medical insurer and our services are offered on a discretionary basis. The services we offer are subject to the resources we have available through membership contributions. We manage these funds and the services we provide carefully to ensure that we can continue to provide our healthcare support. 

As soon as you join, you have 24/7 access to GP and Psychological Wellbeing Advice lines. Then, once you’ve had membership for six months, our healthcare can help remove the need for an anxious or difficult wait. You can request our assistance if your NHS appointment is over 3 weeks for Medical Diagnostics or over 5 weeks for Medical Treatment and Surgery. 

This is particularly helpful in cases where a quick diagnosis is required, or the wait for treatment might significantly affect your quality of life.

The NHS provide speedy care for cancer, brain and heart disease, which are among the areas we don’t provide treatment for. Instead we use our members’ contributions to pay for healthcare that complements the NHS, making our healthcare a much more affordable alternative.

Extended special offer - £30 M&S gift card

£30 M&S Gift card when you join and add 2 or more people to your membership. Offer ends 16th December 2018. Terms & conditions apply.  

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How it works

We complement the work of the NHS by offering speedy access to private healthcare when there's a wait. 

Find out more
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What's included?

GP 24/7 and prescription services, Psychological helpline and Wellbeing Support. Along with Medical Treatment & Surgery, Physiotherapy and Medical Diagnostics.

Find out more
Treatment hospital

Find your nearest hospital

We have a national network of over 500 facilities providing our members with access to diagnostic consultations and tests. We also have a national network of 26 specialist hospitals at which we can authorise your surgical and other treatment procedures, 

Find your nearest treatment hospital

Leaving a company scheme?

Benenden Health offers an affordable alternative to private health insurance for just £10.25 a month. It couldn’t be easier to join Benenden Health because there are no exclusions for pre-existing conditions on joining, and no excesses to pay. Everyone is accepted with no medicals required.

The benefits and services of our discretionary healthcare product may differ to other providers. 

No commitment and no annual contract

If you decide at any point Benenden Health isn’t right for you, you can cancel at any time. 

Award winning healthcare

In 2018, Benenden Health was ‘Highly Commended’ in the healthcare category of the Moneywise Customer Services Awards. The last eight years have seen Benenden Health either winning or being highly commended in this category. These prestigious awards stem from one of the UK’s largest customer surveys that find out which providers are the most trusted in the country, and we’re proud to be consistently recognised.

 

Children outside drinking

Everything you get for just £10.25 a month

From day 1 members have the reassurance of convenient access to medical experts through 24/7 helplines for concerns about their physical or mental health.

Then, after just 6 months, members are able to request private diagnosis, treatment and physiotherapy.

Services available from day 1 of membership

GP 24/7 and private prescription service

Round the clock reassurance knowing you can speak to a qualified UK-based GP day or night. Accessed by phone 24-hours a day, or online via a face-to-face eConsultation during the working week. 

24/7 Psychological Wellbeing Helpline

Speak to an experienced therapist 24/7 for support in dealing with conditions like anxiety, depression, bereavement or relationship problems.

Independent Care Advice

Information and advice about care issues including sourcing short or long-term care whether this is at home, residential, convalescent or respite.

Additional benefits

Members receive our quarterly health and wellbeing magazine Be Healthy. In addition, members have access to discounts across a range of Benenden products and a wide range of discounts on holidays, shopping and other health and wellbeing products including Home, Travel, Cash Plan and Health Assessments.

Services available after 6 months of membership

Medical Diagnostics – You can call us straight away when the wait on the NHS is over 3 weeks.

We have a national network of over 500 facilities providing our members with access to diagnostics and tests. We can support your diagnostic costs up to the value of £1,800 when you proceed via one of the facilities or specialists that we propose.  

Medical Treatment and Surgery – You can call us straight away when the wait on the NHS is over 5 weeks.

Access to over 250 common procedures across medical specialities including orthopaedics and general surgery.  All authorised treatment costs are directly settled in full by Benenden Health. We can provide treatment in one of our 27 approved hospitals.

 

Physiotherapy

We can offer self-managed exercises supported by on-going telephone support and up to six face-to-face physiotherapy sessions.

Psychological Wellbeing Support

Support ranging from guided self-help to face-to-face therapy for conditions such as stress, depression, anxiety and bereavement.

Financial Assistance

Financial support up to £1,500 to purchase a range of items that can assist members who have been diagnosed with cancer or tuberculosis.

What your membership excludes

The NHS provide speedy care for cancer, brain and heart disease, which are among the areas we don’t provide treatment for. Instead we use our members’ contributions to pay for healthcare that complements the NHS, making our healthcare a much more affordable alternative.


What we can't help with

  • Emergency care
  • Surgery for arterial, cardiac, neurological or complex orthopaedic problems or Bariatric surgery. However, The Benenden Hospital Trust offers a preferential rate to members who opt to have their hip or knee replacement surgery on a self-pay basis at Benenden Hospital in Kent. This discount is not available at other Benenden Approved Hospitals
  • Cosmetic, breast, plastic, sterilisation, nerve, dental or maxillofacial surgery, or surgery for transplants
  • Appointments with specialists such as radiologists, dentists, opticians or complementary therapists and pain management specialists
  • Heart surgery
  • Cancer treatment
  • Retrospective services, where our written authorisation hasn’t been sought
  • Consultations, tests and treatments outside the UK
  • Services which are delivered by a non-UK, non-VAT registered organisation
  • We are unable to support ongoing monitoring, follow-up consultations or treatment for the same medical condition. You should seek support through the NHS
  • Minor outpatient treatments (MOTs), such as wart or cyst removals, unless Benenden have provided the diagnosis and expressly agreed to fund the treatment

Useful information 

Your guide to Benenden Healthcare

As a mutual community we’re committed to treating every member fairly. We aim to provide a range of discretionary services that
will help our members and to deliver them with care, compassion and understanding. This guide has been created to help outline who’s eligible to request our help, the range of services you can currently request and those services we're unable to help with. 

Rulebook

Benenden operates according to a rule book, which contains the Benenden Healthcare Society Limited’s memorandum and rules.

How discretion works

We are a friendly society providing benefits from a discretionary fund. This means that the provision of services is subject to the resources we have available through membership contributions.

How to request our diagnostic and treatment services

To access our diagnostic and treatment services you must have been a member of Benenden for more than six months.

Changing your payment method & adding additional members

If you would like to make changes to the way you pay or add additional persons to your membership please complete the appropriate forms.  

If you're already a member you can make changes to your membership via My Benenden

Extended special offer - £30 M&S gift card

£30 M&S Gift card when you join and add 2 or more people to your membership. Offer ends 16th December 2018. Terms & conditions apply.  

Everything you need to know about Benenden Healthcare

Download your guide to Benenden Healthcare which explains all the services provided with our healthcare - what’s included, what’s excluded and how you access them.

View your guide to Benenden Healthcare

Couple running in the countryside

Easy to take out

  • No quotes, no excess – The price to join us is £10.25 per person, per month

  • No exclusions for pre-existing medical conditions on joining – All UK residents can join us regardless of their medical history

  • No commitment or annual contract – Benenden Health is here to help take worry away. So if at any point you decide that Benenden Health is not for you, you can cancel at any time. 

  • Price – The monthly cost won’t increase due to age or usage but is reviewed annually.

Healthcare the Benenden Way

Benenden Health is an affordable alternative to private health insurance. We are not a medical insurer. Our services are offered on a discretionary basis which means that the services we provide are subject to the resources we have available through membership contributions. This discretionary approach has served our membership well for more than 110 years.

How is Benenden Health so affordable?

There are two main reasons why:

By not replicating some of the excellent services that the NHS provide.
The NHS already provides speedy care for cancer, brain and heart disease so we don’t replicate these services but we can provide support to help you achieve a diagnosis for any symptom which you have been referred for by your NHS GP practice.

All membership fees are paid into a communal pot for the benefit of all members.
We manage our funds and the services we provide carefully to ensure that we can continue to provide assistance to members who require our support.


How to request our services

In the table below you'll find numbers for GP 24/7 and Psychological helplines along with information on how to request our services for Medical Diagnostics and Medical Treatment and Surgery

Services you can request from day 1 of membership 

GP 24/7 and private prescription service

Call 0800 414 8247  (Select option 1)

24/7 Psychological Wellbeing Helpline

Call 0800 414 8247  (Select option 2)

If you have been a member for over 6 months, calling the helpline may allow you additional Psychological Wellbeing Support

Independent Care Advice

Call 0800 414 8100

We can advise you on how to seek further support or information about help paying for care. Our service does not support paying any fees for care.

Services you can request after 6 months of membership

Medical Diagnostics – You can call us straight away when the wait on the NHS is over 3 weeks.

Call 0800 414 8100 if you have been referred by your NHS GP Practice and your NHS wait is over 3 weeks for Medical Diagnostics.

  • Have you been referred by your NHS GP Practice? If the answer is ‘NO’ you must contact your NHS Practice before you can request services
  • If you’ve been referred by your NHS GP Practice and your wait is 3 weeks and under, please wait for your NHS appointment
  • If you have been referred by your NHS GP Practice and your NHS wait is over 3 weeks please call us on 0800 414 8100 to request authorisation for your consultation or test
Medical Treatment and Surgery – You can call us straight away when the wait on the NHS is over 5 weeks.

Call 0800 414 8100 if you have been referred by your NHS GP Practice and your NHS wait is over 5 weeks for Medical Treatment and Surgery. 

  • Do you have a NHS consultant’s report and a CCSD Code? If the answer is ‘NO’ - you must obtain these before you can request services
  • If you have a NHS consultant’s report and a CCSD Code and your wait is 5 weeks and under, please wait for your NHS appointment
  • If you have a NHS consultant’s report and a CCSD Code and your wait is over 5 weeks, please call us on 0800 414 8100 to request a treatment

 

Physiotherapy

Call 0800 414 8100

Psychological Wellbeing Support

Call 0800 414 8247 (select option 2)

Financial Assistance

Call 0800 414 8100

Extended special offer - £30 M&S gift card

£30 M&S Gift card when you join and add 2 or more people to your membership. Offer ends 16th December 2018. Terms & conditions apply.  

Everything you need to know about Benenden Healthcare

Download your guide to Benenden Healthcare which explains all the services provided with our healthcare - what’s included, what’s excluded and how you access them.

View your guide to Benenden Healthcare

Couple drinking tea

Why choose Benenden Health

  • Simple anyone is accepted for the same price, no pre-existing conditions are excluded on joining 

  • Smart we complement the great work of the NHS

  • Affordable at the low monthly fee of just £10.25

  • The affordable alternative to health insurance including diagnosis, over 250 types of surgery, physiotherapy, GP and Psychological Wellbeing 24/7 helplines 

  • The Benenden Health way we were founded on the vision of many people joining together to help pay for medical care to support those in need

Why we're different

The table below highlights how we may differ to other healthcare providers, making Benenden Health the affordable alternative. 

Benenden Healthcare
How much does it cost?
£10.25 a month
Does everyone pay the same? Yes, the price is £10.25 a month for our healthcare product
Do you provide access to diagnosis & treatment? Yes. After six months of membership we will offer private diagnosis and 250 types of surgery if the NHS wait is over three weeks for a diagnosis or over five weeks for surgery
Do you provide cover for cancer or heart treatments? We provide diagnosis for any condition, but we exclude the treatment of these conditions as the NHS provides great care here
Do you accept pre-existing medical conditions? Yes, everyone is accepted. All UK residents can join Benenden Healthcare regardless of their medical history
Will there be any excesses to pay to access services? No, there is no excess to pay. But you will be responsible for funding any costs incurred over £1,800 for a diagnosis
Is Benenden Healthcare insurance? No, our services are offered on a discretionary basis

Extended special offer - £30 M&S gift card

£30 M&S Gift card when you join and add 2 or more people to your membership. Offer ends 16th December 2018. Terms & conditions apply.  

No commitment and no annual contract

If you decide at any point Benenden Health isn’t right for you, you can cancel at any time. 

Award winning healthcare

In 2018, Benenden Health was ‘Highly Commended’ in the healthcare category of the Moneywise Customer Services Awards. The last eight years have seen Benenden Health either winning or being highly commended in this category. These prestigious awards stem from one of the UK’s largest customer surveys that find out which providers are the most trusted in the country, and we’re proud to be consistently recognised.

 

Special offer - £30 M&S gift card

£30 M&S Gift card when you join and add 2 or more people to your membership. Offer ends 16th December 2018. 

Extended special offer - £30 M&S gift card

£30 M&S gift card when you join online and add 2 or more people onto your Benenden Healthcare membership.

Joining Benenden Health offers you an affordable alternative to health insurance for just £10.25 per month. Why not add your loved ones so they too can enjoy peace of mind of speedy access to private healthcare for just £10.25 per person, per month.

As a thank you, we’ll give you a £30 M&S gift card if you add two or more family members when you join online. Offer available until 16th December 2018.

Terms and conditions
  • If you are a new member you will receive a £30 M&S gift card if you add two or more family members to your policy when joining online. Offer available until 16th December 2018
  • To qualify for the incentive, the new joiner must have joined and added two other members onto their membership at the time of joining, and all joiners must remain with the Society at the point the gift cards are sent
  • Gift cards will be sent within 52 days of the join date
  • No alternative to this promotion will be offered
  • Offer subject to availability. We reserve the right to withdraw or change this incentive at any time

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It takes only a few minutes to sign up

No quote is needed and everyone is accepted. You can join us online day or night, all year round. Joining Benenden Health is quick and simple. 

Once you've joined us, you will receive a welcome email within 30 minutes and your welcome pack in the post within 10 days.

Everything you need to know about Benenden Health can be viewed here

Join now

No commitment and no annual contract

If you decide at any point Benenden Health isn’t right for you, you can cancel at any time. 

Extended special offer - £30 M&S gift card

£30 M&S Gift card when you join and add 2 or more people to your membership. Offer ends 16th December 2018. Terms & conditions apply.  

Why not talk to one of our of our friendly UK based team

Submit your details and we'll email you about our healthcare product.

It takes only a few minutes to sign up, no quote needed and everyone is accepted.