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Health cash plans

Claim money back towards everyday healthcare expenses with a health cash plan.

What is a Bupa health cash plan?

Get money back on everyday health bills

For a low-cost monthly or annual premium, you can claim cash back on everyday healthcare expenses.

  • Dental check-ups, taken care of
  • Physio for a dodgy knee, covered
  • A shiny new pair of specs, claim it back
  • Prescription costs, paid for

It’s money back in your pocket for the things that keep you healthy and feeling great.

And with the option to cover your partner and up to four children under 24, you’re in the driver’s seat and ready for all life’s twists and turns.

Health cash plan benefits

Less worries about your health, more control for you.

How do I use my health cash plan?

What can I use my health cash plan for?

You can claim cash back for a variety of everyday healthcare expenses. The cash back you receive will depend on your level of cover.

Where can I go for treatment using my cash plan?

Ready to use your health cash plan?

Make a claim or get help and support for any queries about your cash plan.

You can end your membership without incurring a fee by calling us or writing to us.

You may end your membership, and any of your named dependants:

  • within 21 days from the later of the start date or the date you receive your first set of policy documents. We’ll refund all of the applicable premium paid as long as you have not made a claim;
  • within 21 days from the effective date of any changes we make (in accordance with section 2.8 of the membership guide) and we’ll refund the applicable premium you have paid relating to the period after the changes take effect; or
  • at any time thereafter and we’ll refund the applicable premium you have paid relating to the period after your membership ends. You will also need to cancel your Direct Debit with your bank.

You may end the membership of any of your named dependants:

  • within 21 days from the later of the date cover starts for that named dependant or the date you receive written confirmation of cover for that named dependant. Where ending a named dependant’s membership results in a change to membership level and a reduction in premium, we’ll refund all of the applicable premium paid as long as no claims have been made in respect of that named dependant; or
  • at any time thereafter and we’ll refund the applicable premium you have paid in respect of that named dependant relating to the period after their membership ends.

Yes, it’s possible to add your partner and children to your cash plan, but it depends on the type of cash plan you have.

Partner’s and children can be added at the start of the cash plans or at your renewal date.

If you can add a partner on your plan, they can only be accepted initially on the policy if they are aged between 18 and 69. A partner is:

  • a husband
  • wife
  • civil partner
  • or the person that you live with and are in a relationship with similar to that of a marriage or civil partnership

If your cash plan allows you to add child dependants, they are only eligible to be members if they are:

  • under 24 years old
  • living permanently in the UK

We define dependants as any child of yours or your partner’s. This includes any child for whom you or your partner is a legal guardian or foster parent. Once your child dependants are accepted as members, they can continue to be covered under the policy until the end of the month in which they have their 24th birthday, at which point their cover will end automatically. We will cover a maximum of four child dependants on the policy.

Yes. Your cash plan can be used to cover costs relating to conditions you had before your cash plan started. These are sometimes known as 
pre-existing conditions. Please see your full policy terms and conditions for details on your cover including its benefits, exclusions and limitations.

To claim money back with your health cash plan, you’ll need to send us your receipt. This receipt needs to include:

  • your full name
  • the practitioner’s name
  • the type of treatment
  • date of the treatment

Bupa health insurance and cash plan are provided by Bupa Insurance Limited. Registered in England and Wales with 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.

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