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Health cash plans

To find out more or to get a quote call us on:
0808 000 0000 ^

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Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 12.30pm.

Designed to help you claim money back towards some of you and your family's everyday healthcare expenses

A health cash plan allows you to spread the cost of some of you and your family's everyday health expenses for a regular, monthly premium. Our cover provides a number of routine health benefits, such as money back towards dental treatments and check-ups alongside optical tests and prescription eyewear.

Depending on the plan you choose, a health cash plan also covers some less routine expenses that you or your family may incur, such as those for laser eye treatment, in-chair teeth whitening and physiotherapy sessions. Some of our plans also pay cash back towards the cost of consultations with consultants registered with the General Medical Council.

You can also benefit from a quick and simple online claiming process, or alternatively can still post us your claim forms.

We’ve got two cash plan products to choose from:

Underwritten by Chubb Insurance Company of Europe SE.

If opting for Family cover.

Cash plan benefits

Here are just a few of the benefits of our health cash plans:

Tables of cover

Our tables of cover outline the benefits available and the amount of cash you can claim for each level of cover.

Health expenses cover

Benefits Level 10 Level 20
Dental up to £125 up to £250
Optical up to £125 up to £250
Prescriptions up to £25 up to £50

Cash Plan 100

Benefits Individual level 1
and family level 4
Individual level 2
and family level 5
Individual level 3
and family level 6
Dental up to £50 up to £100 up to £150
Optical up to £50 up to £100 up to £150
Hospital in-patient/day surgery
A combined total of 20 nights/days per member per benefit year
up to £15 per day/night up to £30 per day/night up to £45 per day/night
Therapies
Physiotherapy/ Osteopathy/Chiropractic/ Acupuncture
up to £100 up to £200 up to £300
Consultation up to £75 up to £150 up to £225
Chiropody up to £50 up to £100 up to £150
Maternity/Adoption
52 week qualifying period applies
up to £100 each child up to £200 each child up to £300 each child
Prescriptions†† up to £20 up to £25 up to £30
Personal accident cover Up to £12,000 per life time. Adults only.
HealthLine Speak directly to a qualified nurse by calling our confidential 24/7 phone service.


†† Collectively per family for family policies.


All benefit limits are annual limits except where indicated.

Pre-existing conditions are covered for all benefits. You will be required to provide any information or proof to support your claim if we make a reasonable request for you to do so. Please read this in conjunction with your welcome and membership guide for the full terms and conditions of your cover. Your subscriptions include Insurance Premium Tax (IPT).

Already a Bupa cash plan member?

Most frequently asked questions

Here’s a selection of questions and answers we’ve already helped our customers with. Expand all
  • 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 up to the benefit limit, which will be paid directly 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 other expenses incurred such as therapy sessions and consultations, depending upon the cash plan chosen.
    • Pre-existing conditions are covered for most benefits.

    Health insurance

    • Health insurance may be more extensive and covers the cost‡‡ of eligible private treatments.
    • Treatment costs are usually paid directly to the consultant/hospital by Bupa with no cash back claim needed‡‡.
    • Usually, you'll need to check with us that you're covered 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.

  • Our health cash plans are designed to provide cash back towards a variety of everyday healthcare costs, which traditional health insurance may not cover.

    You won’t be able to claim under one policy for costs which have already been reimbursed by another (for example, members holding both Bupa health insurance and a Bupa cash plan). If you have another insurance policy you should refer to the Making A Claim section of the membership guide (PDF, 244KB) before submitting a claim.

  • Our health cash plans provide cash back towards some everyday health expenses that you and your family may incur, such as dental treatment fees and optical tests, prescription eyewear and many more (depending on the cash plan chosen).

  • We have two cash plan products to choose from – Cash Plan 100 and Health expenses. Our cover provides a number of routine health benefits, such as money back towards dental treatments and check-ups alongside optical tests and prescription eyewear.

    Depending on the plan you choose, a health cash plan also covers some less routine expenses that you or your family may incur, such as those for laser eye treatment, in-chair teeth whitening and physiotherapy sessions.

    Download a membership guide (PDF, 244KB) for more information on cash plans.

  • No you won't need a medical to take out a health cash plan.

  • No. You can cancel your health cash plan for any reason within 21 days of receiving your welcome 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 calling us on 0345 606 6003^. We’re open Monday to Friday 8am to 6pm, Saturday 8am to 1pm.

    You can also cancel by post by sending written notice to: Cancellations, Bupa, Anchorage 3, Anchorage Quays, Salford Quays, M50 3XL.

  • To make a claim you can use our online claims portal or alternatively submit your claim to us in the post with the claim form (PDF, 79KB) that we provide.

    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. We will be unable to assess your claim without receiving all required supporting documentation and receipts.

  • Yes, providing you send all required supporting documentation and receipts so we can properly assess your claim. You can start claiming immediately for all benefits excluding maternity and adoption claims – which have a 52 week qualifying period. You can also make use of our Anytime HealthLine.

  • There is no waiting period for any of our health cash plan schemes 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. If your cover includes the maternity and adoption benefit then please note that a 52-week qualifying period applies before benefits will be payable. A birth or adoption certificate should be provided as supporting evidence for these claims.

  • Your membership will start from your registration date and will be for a month at a time but will continue automatically provided that we continue to receive your subscriptions when they are due.

  • You can cancel your health cash plan for any reason within 21 days of receiving your welcome 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 calling us on 0345 606 6003^. We’re open Monday to Friday 8am to 6pm, Saturday 8am to 1pm.

    You can also cancel by post by sending written notice to: Cancellations, Bupa, Anchorage 3, Anchorage Quays, Salford Quays, M50 3XL.

  • You can call us on 0808 000 0000 ^. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 12.30pm.

    Alternatively, you can request a callback. All callbacks from this service are free of charge to both landlines and mobiles.
    Request a callback



    Or you can get in touch using our online form.
    Submit enquiry

  • The Personal Accident part of this policy is provided and administered by Chubb Insurance Company of Europe SE. Registered and incorporated in England and Wales, No. SE13. Registered office: One America Square, 17 Crosswall, London, EC3N 2AD. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 481725.

    You can check this on the Financial Services Register by visiting https://register.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.

  • Once your claim has been approved you’ll receive payment to your chosen bank or building society account.
  • No, they will reset at the start of each benefit year. The benefit year starts on your registration date. If you wish to change your membership level, any benefits will take effect for a minimum of 12 months.
  • Your benefit year will start from your registration date and run for a minimum of 12 months.
  • Should your scheme allow, you can apply to add your partner to be covered under your policy, as long as they are aged between 18 and 69. You can also apply to include your children or your partner’s children as members of the scheme if they are under 24, unmarried and not in a civil partnership. Any children and partner covered must live permanently with you at your address. We refer to your partner and any children who become members under your membership as dependants. We will cover a maximum of four dependant children on your policy.

What's next?

^ We may record or monitor our calls.


The Personal Accident part of this policy is provided and administered by Chubb Insurance Company of Europe SE. Registered and incorporated in England and Wales, No. SE13. Registered office: One America Square, 17 Crosswall, London, EC3N 2AD. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 481725.


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.

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