Health cash plans
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.
Thorough cover
Cash plan covers all conditions you had before your plan started. These are sometimes known as pre-existing conditions.
No referral needed
You won’t need to visit a doctor or any other medical professional for a referral if you want to use your health cash plan.
Take care of your loved ones
You can add your partner and up to four children under the age of 24 to your cash plan, providing they all live in the UK.
Day and night health advice
All health cash plans include helplines you can call day and night. So you can get health advice from experienced, qualified nurses.
How do I use my health cash plan?
Check what benefits your cash plan covers
Pay your bill
upfront
Submit your claim online or via post
We’ll pay your cash back, up to your benefit limit
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.
Cash plan can be used for:
- Contact lenses or prescription glasses
- Routine eye tests
- Corrective laser eye treatment
- Dental check-ups and treatments such as fillings and dentures
- Dental injuries
- Mental health and wellbeing through your employee assistance programme (EAP)
- Physiotherapy, osteopathy, chiropractic, acupuncture, chiropody and podiatry
- Private and NHS prescriptions
- Day and night hospital admissions, up to a total of 20 days or nights
- Consultation fees with consultants, dietitians or occupational therapists, and diagnostic tests or scan
Cash plan can’t be used for:
- Flu vaccinations
- Cosmetic surgery for cosmetic reasons
- Allergy testing
- Virtual GP appointments
- Alternative therapies such as reflexology, reiki and homeopathy
Where can I go for treatment using my cash plan?
See whoever and go wherever for treatment
If you want to use your cash plan, you can visit Bupa Health Centre for treatment or go elsewhere. It’s up to you.
You just make sure your chosen provider is recognised by Bupa, or registered with the appropriate membership body. Information about this can be found in your membership guide.
Use our online directory to search for Bupa recognised hospitals, consultants, therapists, dental clinics and healthcare services in your local area.
Ready to use your health cash plan?
Make a claim or get help and support for any queries about your cash plan.
Make a claim
Complete our online form to submit your health cash plan claim.
Download claim form
If you want to send a claim in by post, download our claim form.
Call us
0345 606 6003^
^Lines are open 8am to 6pm Monday to Friday. We may record or monitor our calls.
.svg){kind=icon}
Email us
If you’ve got an enquiry, you can email our Cash Plan member’s team.
Looking to buy a health cash plan for your business?
Empower your people to take charge of their health by protecting them with a health 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.
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.
