Health cash plans for employees
Explore your health cash plan options by calling 0345 266 8974^
What is a Bupa health cash plan?
Get money back on everyday health bills
A Bupa cash plan is a simple and affordable benefit option designed to nurture and support your employees health and wellbeing.
For a low-cost, monthly or annual premium, employees can claim cash back on everyday healthcare expenses. Dental check-ups, covered. Physio for a dodgy knee, claim it back. A shiny new pair of specs, taken care of.
A health cash plan empowers your employees to take charge of their health. Allowing them to be at their best, benefitting your business.
Why is a health cash plan good for your business?
Keep and attract talent
Offering desirable health and wellbeing perks can help attract new talent. And help you hold on to current team members.
Fewer sick days
Reduce absences by helping your people to claim back health expenses. Faster treatment means they can get back to feeling and performing their best.
Productivity gains
Healthier, happier employees will be able to focus their energy on driving your business forward, every day.
Support for employers
Develop your health and wellbeing strategy with our helpful wellbeing resources and expert-led events.
Health cash plan benefits for your employees
One less worry for your employees, one more reason for your business to thrive.
Helping money go further
While health expenses are usually planned, being able to claim cash back with a cash plan could make life a little bit easier.
Easy access to treatment
Your employees can get treatment without a referral. They just claim back their benefit allowance afterwards, saving both time and money.
Simple way to claim
Once a claim is processed, we’ll pay the cash back into a nominated bank account.
Extensive cover
Cash plan covers all pre-existing conditions. Plus, employees can add their partner and up to four child dependants under the age of 24 to their plan, providing they all live in the UK.
Health and wellbeing expertise
All our health cash plans include helplines, giving your people day and night telephone access to health advice from experienced, qualified nurses and wellbeing resources.
How does a health cash plan work?
Check what benefits the health cash plan covers
Pay for the treatment, goods or services and keep receipts
Submits a claim form online or by post
We'll pay all eligible claims directly into their nominated bank account
What can my employees claim for?
Your employees can claim for a variety of everyday healthcare costs. It's money back in their pocket for the things that keep them healthy and feeling great.
Optical
For eyes that see your ambition
Dental
For smiles that seal the deal
Physical therapies
For joints that make things more flexible
Mental health
For minds that think bigger
Prescriptions
For medicines that improve health
Treatment
For hospital stays that speed up recovery
Consultations
For tests that help get the answers
Bupa health cash plan options
Show you take the health and wellbeing needs of your people seriously by funding a health cash plan.
Bupa Wellbeing Health Expenses Key
- Employees get 100% cash back, up to annual benefit limits
- Includes dental, optical, physiotherapy, mental health and other care
- Option to upgrade plan once every year, at the renewal date, through employee salary sacrifice
- 24/7 health phone advice and the Bupa Employee Assistance Programme (EAP)
Bupa Wellbeing Health Expenses Premier
- All benefits included with Bupa Wellbeing Health Expenses Key plan
- Plus, Premier Employee Assistance Programme (EAP) benefits, including structured short-term counselling and online cognitive behavioural therapy (CBT)
- Your people can cover up to 4 dependants and their partners, so they’re ready for all of life’s twists and turns.
- Each cash plan comes with a choice of membership for employees who permanently live in England, Scotland, Wales and Northern Ireland.
Ready to get started?
Get in touch for any queries about Bupa health cash plans.
Request a callback
Lines are open 8am to 6pm Monday to Friday (excluding Bank Holidays). We may record or monitor our phone calls.
Online form
Got a question? Complete this quick form and we’ll get back to you soon.
A key difference is that a health cash plan provides cash back on some routine healthcare costs, subject to the terms and conditions of your policy and the benefit limits within it. Health insurance covers private health care costs from diagnosis to treatment.
These are some more of the differences.
Health cash plans
- You pay for treatments, goods or services and then claim up to 100% of eligible costs back up to the benefit limit. This is paid into the main members nominated bank account, subject to the terms and conditions of your policy and the benefit limits within.
- You won't need a GP referral to claim any of your benefits.
- You can claim cash back towards some of your everyday healthcare expenses. These may include dental, optical and prescription costs, therapy sessions and consultations. This will depend on which plan you have and the benefit limits within it.
- For Cash Plan 100 and Health Expenses, pre-existing conditions are covered for all benefits.
Health insurance
- Your policy covers all or some of the cost of treatment for conditions that develop after your health insurance policy has begun. You may take out private health insurance because it gives you quick access to medical treatment. The level of cover you get will depend on the policy you take out.
- Treatment costs are usually paid directly to the consultant or hospital by Bupa with no cash back claim needed.††
- You may need to get pre-authorisation from Bupa before treatment.
- Health insurance may not cover pre-existing conditions. It's dependent upon the underwriting terms of the policy.
Individual Plus membership on the Bupa Wellbeing Health Expenses cash plan covers the main member and up to four child dependents up to the age of 24 at no additional cost. Each dependent covered has the same amount of benefit allowance as the main member, it’s not a shared pot or a lower amount.
Family membership covers the main cash plan member, their partner and up to four child dependents up to the age of 24.
For all Bupa health cash plans, all pre existing conditions are covered.
The Bupa employee assistance programme (EAP) is a confidential support service that is available to the main cash plan holder and all named dependants aged 16 and over.
It is available all day every day on 0345 600 3476^^ and offers a range of different services, including face-to-face, telephone, online counselling and expert support on both personal and work-related issues. With the aim of lowering absences and increasing staff wellbeing and productivity.
Access to those services will depend on the option chosen by the sponsor and whether you are suitable for the option based on our mental health and wellbeing assessment.
^^Lines are open 8.30am to 6pm Monday to Friday. We may record or monitor our calls.
^ We may record or monitor our phone calls. Lines are open 8am to 6pm Monday to Friday.
Bupa cash plan is provided by Bupa Insurance Limited. Registered in England and Wales registration number 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 with registration number 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.
Bupa Employee Assistance is provided by Bupa Occupational Health Limited. Registered in England and Wales registration number 631336. Registered office: 1 Angel Court, London, EC2R 7HJ.
