Cash plan benefits
Most frequently asked questions
What's the difference between a health cash plan and health insurance? What's the difference between a health cash plan and health insurance?
Please see below some of the differences between health cash plans and health insurance.
Health cash plans
- Health cash plans provide cash payments to help with some routine healthcare costs†.
- You pay for eligible treatments/expenses and then claim up to 100 percent of eligible costs back, which will be directly settled into your bank account.†
- You will not need to be referred by a GP to claim any of your benefits.
- Health cash plan benefits can include payment towards everyday expenses such as dental, optical and prescription costs right through to less frequently incurred expenses such as therapy sessions and consultations, depending upon the cash plan chosen.
- Pre-existing conditions are covered for all benefits‡
- Health insurance may be more extensive and covers the cost† of eligible private surgical treatments.
- Treatment costs are usually paid directly to the consultant/hospital by Bupa with no cash back claim needed†.
- Pre-authorisation from Bupa may be required before treatment.
- Health insurance may not cover pre-existing conditions, dependent upon the underwriting terms of the policy.
†Subject to the terms of your scheme and the benefit limits within it.
‡Excluding Bupa Patient Cash.
I already have Bupa health insurance. Is it worth me having a Bupa health cash plan as well? I already have Bupa health insurance. Is it worth me having a Bupa health cash plan as well?
Our range of Bupa health cash plans can act as stand alone routine health expense cover or can compliment health insurance by providing cash back towards a variety of healthcare costs that might not be covered under traditional health insurance schemes. You will not be able to use a cash plan to claim for eligible treatments you have already claimed for on your health insurance.
Bupa health cash plans provide cash back towards some everyday healthcare costs that you and for an additional premium, your family may incur, such as dental treatment fees and optical tests, prescription eyewear and many more.
No you will not require a medical to take out a health cash plan.
Do I have to sign up for a minimum length of time? Do I have to sign up for a minimum length of time?
No. You can cancel your membership for any reason within 21 days of receiving your membership letter, and as long as you haven’t made a claim we’ll refund any unused subscription for that year.
You can end your membership or the membership of any of your dependants after this at any time by providing us with 30 days’ prior written notice to: Member Services Manager, Bupa Cash Plan, 1st Floor, Tower Court, Courtaulds Way, Coventry, CV6 5NX.
If you don’t have a claim form, please call us on 0345 606 6003^. To help reduce the time it takes to reimburse you, send us your fully completed claims form, copies of your original receipt(s) and any other documentation needed to process your claim as soon as possible following treatment.
Yes. As soon as you become a Bupa Cash Plan member you can start claiming immediately for all benefits excluding maternity and adoption claims – which retain a 52 week qualifying period. You can also make use of Bupa HealthLine, alongside accessing our range of member offers.
Can I claim for all benefits straight away if I transfer from my current provider? Can I claim for all benefits straight away if I transfer from my current provider?
There is no waiting period for any Bupa health cash plan scheme if you’re transferring from another health cash plan and have completed any qualifying period with that provider. You’ll just need to provide proof of your membership and eligibility to claim under your previous provider.
^ We may record or monitor our calls.
Bupa health insurance and cash plan are provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.