Skip to content Skip to footer
Join or find out more
Become a member

9am-5pm, Mon - Fri

Accessing services - Members

8am to 5pm, Mon-Fri

Accessing services
(For existing members)

8am-5pm, Mon-Fri

Member helplines
(For existing members)
24/7 GP Helpline
Mental Health Helpline


Open 24 hours, 7 days a week

Coronavirus (COVID-19) We know during this difficult period you may have a number of questions about COVID-19. Find out how our services and products can help support you.

Browse COVID-19 Support
Get a £25 M&S gift card when you join and add someone, plus another £10 for every other person you add when joining.

Private healthcare for everyone

Only £11.90 per person, per month.

  • No age limits.
  • Everyone is accepted (all UK residents).
  • No quotes, and no excess to pay.

An alternative choice of Private Healthcare Cover

Woman colouring in mandala

With Benenden Health you can relax knowing you can talk to a professional about a health concern 24/7. 

From day one of membership you can request our assistance with: 

  • Access to a UK GP 24/7 hours a day seven days week for you and your immediate family.
  • Access to a Mental Health Helpline 24 hours a day seven days a week.
  • Access to a care adviser who can provide advice and information on adult care issues.

After six months of membership you can request assistance with: 

  • Medical Diagnostics.
  • Medical Treatment at one of the hospitals in our treatment network for certain procedures.
  • Physiotherapy.
  • Mental Health Counselling Support.
  • Financial Assistance.

We're different

 We don't offer insurance. We're a member owned organisation looking after our membership of over 800,000 members. Each member pays the same monthly price into a fund. When a member needs support, we use the fund to help them get better.

Our Services 

As government restrictions ease it's important to note that all measures in healthcare settings remain unchanged. This means that the wearing of face masks, social distancing and COVID-related measures will remain in place. Services continue to be available across the UK but please note there maybe localised restrictions in place, your healthcare provider will be able to keep you informed. Therefore, it's likely there could potentially be a delay in accessing appointments. We’re unable to defer appointments due to personal commitments, and you must be available for any appointments offered.

Limits and exclusions apply

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.

Services continue to be available across the UK but please note there maybe localised restrictions in place, your healthcare provider will be able to keep you informed. Therefore, it is likely there could be a potential delay in accessing appointments.

Update on our services (COVID-19) 

Find your nearest treatment hospital
young father bottle feeding baby

Join Benenden Health today

Healthcare for only £11.90 per person, per month 

  • No exclusions for pre-existing conditions on joining
  • No age limits
  • No medical questionnaire required

Get a £25 M&S gift card when you join and add someone to your membership at the same time, plus a £10 gift card for every additional person you add. Terms and conditions apply.

Join now
Screenshot of the Benenden Health App

Available to all members on joining: 

  • Access GP 24/7 services.

  • Request support through our Mental Health Helpline.

  • Click-to-call to request private diagnosis, treatment and physiotherapy.

  • Access your My Benenden account to explore exclusive member rewards and discounts.

  • Book online health and wellbeing classes via My Benenden.

 

Receive the latest health and wellbeing advice from Benenden Health.

We will share tips on eating healthy, ideas to improve your mental wellbeing along with easy to digest information on common health conditions.

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

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

Only £11.90 per person, per month. 

Most people in the UK have to rely on the NHS alone; not many can afford to pay for expensive private medical insurance. Benenden Health provides a third way because we complement the NHS. We can provide healthcare for just £11.90 a month - a low cost alternative to Private Health Insurance.

We're not a health insurance company and our services are provided on a discretionary basis and are subject to the resources we have available. In some cases, provision of service can be dependent on factors such as GP referral, NHS wait times and the type of treatment required.

Services continue to be available across the UK but please note there maybe localised restrictions in place, your healthcare provider will be able to keep you informed. Therefore, it's likely there could potentially be a delay in accessing appointments.


Services we provide from the moment you join, for as long as you're with us.

GP 24/7 Helpline
GP 24/7 Helpline
24/7 Mental Health Helpline
24/7 Mental Health Helpline
Care Planning and Social Care Advice
Care Planning and Social Care Advice
Additional benefits
Additional benefits

This helps ensure there's enough money in the fund to help our members when they need it.

Medical Diagnostics
Medical Diagnostics – you can call us straight away when the wait on the NHS is over three weeks.
Medical Treatment
Medical Treatment – you can call us straight away when the wait on the NHS is over five weeks.
Physiotherapy
Physiotherapy
Mental Health Counselling Support
Mental Health Counselling Support
Financial Assistance
Financial Assistance

What our 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 services that complements the NHS, making our healthcare a much more affordable alternative. We cover over 250 procedures within the following areas. ENT (ear, nose and throat) general surgery, gynecology, ophthalmology (cataracts only) orthopaedics and urology. 

View our approved procedures
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.

Services continue to be available across the UK but please note there maybe localised restrictions in place, your healthcare provider will be able to keep you informed. Therefore, it is likely there could be a potential delay in accessing appointments.

Update on our services (COVID-19) 

Find your nearest treatment hospital
young father bottle feeding baby

Join Benenden Health today

Healthcare for only £11.90 per person, per month 

  • No exclusions for pre-existing conditions on joining
  • No age limits
  • No medical questionnaire required

Get a £25 M&S gift card when you join and add someone to your membership at the same time, plus a £10 gift card for every additional person you add. Terms and conditions apply.

Join now

Receive the latest health and wellbeing advice from Benenden Health.

We will share tips on eating healthy, ideas to improve your mental wellbeing along with easy to digest information on common health conditions.

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

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

Only £11.90 per person, per month. 

Hiker getting out of vehicle

Private healthcare that's easy to take out

  • No quotes, no excess – The price to join us is £11.90 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 service are provided on a discretionary basis and are subject to the resources we have available. In some cases provision of the service can be dependent on factors such as GP referral, NHS wait times and the type of treatment required.

This discretionary approach has served our membership well for more than 115 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 a symptom which you have been referred for by your NHS GP practice.

Services continue to be available across the UK but please note there maybe localised restrictions in place, your healthcare provider will be able to keep you informed. Therefore, it's likely there could potentially be a delay in accessing appointments.

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. That hasn’t, and won’t, change in the face of the coronavirus (COVID-19) pandemic we find ourselves in.


Receive the latest health and wellbeing advice from Benenden Health.

We will share tips on eating healthy, ideas to improve your mental wellbeing along with easy to digest information on common health conditions.

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

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

Only £11.90 per person, per month. 

Woman in fitness class

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 £11.90.

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

  • The Benenden Health way we were founded on the vision of many people joining together to help pay for private 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 to private health insurance. 

Benenden Healthcare
How much does it cost?
£11.90 a month
Does everyone pay the same? Yes, the price is £11.90 a month for our healthcare product
Do you provide access to diagnosis and treatment? Yes. You can request private medical diagnosis at one of the hospitals in our diagnostic network for symptoms for which you have been referred by your NHS GP.

Once authorised, we can support your diagnostic costs up to £1,800. You can also request assistance for Medical Treatment and Surgery at one of our hospitals in our treatment network for approved procedures.

Read more about the services we provide for medical diagnostics and medical treatment.

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 private health insurance? No, our services are offered on a discretionary basis. We're an alternative to health insurance

 


To help you understand if Benenden Health is right for you please review the documents below. 

Insurance Product Information Document
Important information
Your guide to Benenden Healthcare
How discretion works
Rulebook

 Already a member of Benenden Health? 

How to request services
Changing your payment method & adding additional members
M&S Giftcard

Get a £25 M&S gift card when you join and add another person to your membership at the same time, plus a £10 gift card for every additional person you add. 

Why not treat yourself to a delicious meal in, or use your gift card to get money off the latest in beauty, home or this season's fashion?

Terms & conditions

  • £25 M&S gift card when you join and add an additional person to your membership at the same time.

  • Another £10 M&S gift card for every additional person you add to your membership, when all joined at the same time.

  • All joiners, including additional members added, must remain with the Society at the point the gift card is sent.

  • Gift cards will be sent within 52 days of the join date.

  • No alternative to this promotion will be offered.

  • This offer cannot be used in conjunction with any other offer, unless specifically stated.

  • Offer subject to availability. We reserve the right to withdraw or change this incentive at any time.

  • Offer ends 10th December 2021.

We hope you’re keeping well in these uncertain and often overwhelming times. However, the comfort that many of us are seeking is being found in our community spirit to work through this together. Rest assured, over the coming months we’ll be keeping you informed with any news, advice or material we have about the current COVID-19 crisis.

Even when we’re confined to our homes, other health concerns can still play on our minds. We’d like to reassure you that we’ll do everything we can to maintain a good level of service and provision during this unprecedented time. 

We'd like to remind you that you can still request our 24/7 GP Helpline and Mental Health Helplines. We're able to provide remote Physiotherapy after six months of membership along with Mental Health Counselling Support but we do need to let you know that private hospitals, consultants and therapists are supporting the NHS to maximise capacity to care for people with coronavirus (COVID-19). So it’s highly likely there will be a delay to diagnostics and treatment appointments unless urgent.  

Head over to our all about membership section where you'll find information on: 

  • My Benenden - our member online portal showing you how to login or register.
  • How to request our services - useful contact numbers.
  • Accessing rewards and discounts.
  • Adding loved ones to your membership.
  • Answers to your most frequently asked questions.

Medically reviewed by Cheryl Lythgoe on 20th July 2021. Next review date: 20th July 2022.