Health Cash Plans
New & existing members
Tel: {{cashplan_number}} Tel: 0800 414 8071


8.45am to 5.30pm Monday to Friday.

Introducing Benenden Health Cash Plan
Health Cash Plan - Intro image

Once you become a member of the Benenden community✝, you can complement your personal healthcare with our health cash plan which is a separate optional policy. It is designed and priced exclusively for members to help manage everyday health costs. 

You can choose from 5 levels of cover with our health cash plan to suit your needs. Starting from as little as £6.11 on our level 1 single cover, you can get 100% money back on your regular (Dental, Optical and Therapy) healthcare bills, and pay-outs for more unexpected health issues like hospital stays, up to the limits of your chosen plan. And to make life even easier, when you make a claim, any money back will be paid directly in to your bank account.

I'm a Benenden member. Apply now

They are really very good. I get my expenses refunded in just a few days after posting my receipts

Nick, Benenden Health member since 1979

Reasons to take out a Benenden Health Cash Plan
  • Money back for health appointments, even when you're feeling well – our personal healthcare is designed to support you in an event of ill health, while our health cash plan is to help you manage more routine health costs and claim money back on dental, optical, therapies and more

  • Priced especially for members– as we have a large community of 800,000 members, we were able to negotiate fantastic deals for our members. That’s why our health cash plan is priced competitively in the market

  • No excesses or medicals – no medical questionnaires, no excess fees. Plus, our prices don’t change if you use our services

  • We reinvest back into the Benenden community – as we don’t have any shareholders, any surplus funds are reinvested back into the Benenden community to help improve our services to our members

 

 Cover levels

Choose your cover in 3 simple steps:

  • Make sure you're an existing Benenden Health member - our health cash plans are exclusive to members of the Benenden Health community. If you’re not already a member, find out the benefits of Benenden Healthcare 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 dependent children aged under 18.

  • 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
£6.11
£11.84
£21.49
£29.44
£36.96
Monthly premium for you & your family
(You, your partner & dependent children aged under 18)
£12.22
£23.08
£41.90
£57.43
£72.08
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
£100
£150
£200
£250
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 that is 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-patients (100% reimbursement)
£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 year following an in-patient stay in the hospital.
Hospital Day Case (100% reimbursement)
£10 per day
£20 per day
£25 per day
£30 per day
£40 per day
Cash amount for each day, up to 6 days per year following admission as a day case patient.
New Child/Adoption Benefit
(100% reimbursement)
£75
£150
£200
£300
£400
Single payment for each child that you or your partner give birth to or adopt.
Prescriptions (100% reimbursement)
£25
£25
£25
£25
£25
Cashback towards the cost of NHS prescriptions.
Personal Accident (100% reimbursement)
£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

You can get more value for your money when you can 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. 3 simple steps on how to use the voucher:

  • Simply request your ‘Eyecare Plan’ voucher by calling 0800 414 8071
  • Your voucher will be posted to you along with a list of 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 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 request your voucher

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

How it can work for you

Take a look at this typical example of how Benenden Health Cash Plan works.

(Scenario is for illustrative purposes only)

Meet Jo, she is a Benenden member. She has a Benenden Personal Healthcare and Health Cash Plan. Jo is generally fit and healthy and even when she is, she pays £10.25 per month on her personal healthcare membership for the peace of mind that if she becomes unwell, she can call on her personal healthcare membership to help get diagnosis and treatment when she needs it.

Jo has health cash plan level 2 personal cover and pays £11.84 a month. Jo goes to the dentist in January for a routine check-up and a clean-up by the hygienist. Her dentist finds a small cavity that needs a filling. Jo pays £56.30* and claims the whole cost back on her Benenden Health Cash Plan cover. She goes back in July for another routine check-up, she’s been brushing and flossing regularly and luckily there’s no work required. Jo pays £20.60*, again claiming the whole cost back. A total for the year of £76.90.

In May, Jo gets a reminder from her optician that she’s due for another eye test. They find that her sight has changed and she needs new glasses. Jo chooses a 2 for 1 deal on designer frames and looks fabulous for £127.50**. She claims her full limit of £100 from her Health Cash Plan.

Jo is a keen hockey player and, during a match in July, she took the full force of a wild high stick. Jo was momentarily knocked out and woke to find she had a split lip and a broken tooth. She had to spend the night in hospital as a precaution because of her concussion and later that week had her broken tooth capped at a cost of £115.60**. Jo found she could claim back the cost of repairing her tooth because there is a separate limit for dental trauma. Also Jo claimed £20 for her night in hospital. That certainly helped to ease the pain.

After the accident, Jo experienced pain in her jaw and consulted an osteopath for treatment. After three sessions costing £165, Jo was back to her old self and delighted that she could recover £150 of the cost from her Benenden Health Cash Plan.

Jo’s Benenden Health Cash Plan cost £142.08

Jo claimed a total of £462.50

*Based on NHS Dental Band costs April 2017

**Indicative Costs

How it works

You choose your type of cover (for you or you and your family) at the level you choose. You can choose from 5 levels
of cover.1.Visit your healthcare professional for routine appointments like dental or optical. Get your receipt as per normal.2.Submit your claim form along with your receipts, either by online or post.3. You’ll receive your money back in your bank usually within a few days.

You choose your type of cover (for you or you and your family) at the level you choose. You can choose from 5 levels
of cover.1.Visit your healthcare professional for routine appointments like dental or optical. Get your receipt as per normal.2.Submit your claim form along with your receipts, either by online or post.3. You’ll receive your money back in your bank usually within a few days.

How to claim

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

Choose your claim type below
General Claims (for all claims except Hospital stays and Birth/Adoption cover)

1. Before you go for a treatment

Make sure you understand what you can claim back on your policy. 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. Complete your claim form
In order to make a claim, you will need to submit a completed claim form along with the original receipts which should include the name and address of your chosen practitioner. You can download a claim form here or below. You can also request for a claim form to be sent to you either by post or email by calling our customer services team on 0800 414 8071.

4. Submit your claim form along with your original receipts
Don’t forget to attach your original receipts (you may want to keep a copy for your records) and supporting documentation as we will require these to process your claim. Submit your completed claims forms to: Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.

5. Submit your claim form
Submit your completed claims forms to and supporting documents to: Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.

Download claim form (PDF)

Claiming for hospital stays

1. Before you go for a treatment
Make sure you understand what you can claim back on your policy. 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 your form before you go. You can download a claim form here or below. You can also request for your claim forms to be sent to you via email or post by calling our customer services team on 0800 414 8071.

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 claims forms to and supporting documents to Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.

Download claim form (PDF)

Claiming for Birth and Adoption

1. Complete your claim form
In order to make a claim you should submit a claim form to us by post. You can download a claim form here or below. You can also request for your claim forms to be sent to you via post or email by calling our customer services team on 0800 414 8071.

2. You will need to send us the original birth or adoption certificate
Along with the claim form, you will need to provide a copy of the full birth/adoption certificate in support of your claim. Your original receipt(s) will be returned following the processing of your claim

3. Submit your claim form
Submit your completed claims forms to and supporting documents to: Benenden Health Cash Plan, 2 Darnley Road, Birmingham, B16 8TE.

Download claim form (PDF)

 

Are you a Benenden member?

Our Health Cash Plans are exclusively for members of the Benenden community✝. One of the ways to become a member is by taking out Benenden Healthcare . Find out the benefits of Benenden Healthcare, the affordable alternative to health insurance, by clicking the link below.

(This will open a new window in your browser. Once you have joined as a Benenden Healthcare member you have the option to add our health cash plan. Please take note of your membership number and continue your application using the link below)

Yes, I am already a member

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 member of the Benenden community.

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.

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 our new Benenden Health Cash Plan. To be eligible, you need to have at least one of the following products; A current Benenden Personal Healthcare membership, Have purchased a Benenden Home Insurance or Travel Insurance policy within the last 12 months, A current health cash plan legacy product.