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Health cash plans
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- Health cash plans
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 cash plan allows you to claim back some of the costs of a number of routine health expenses, such as 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, and physiotherapy sessions. Some of our plans also pay cash back towards the cost of consultations with consultants registered with the General Medical Council or General Dental Council.
You can also benefit from a quick and simple online claiming process, or alternatively you can still submit claim forms to us via the post.
To find out more or to get a quote call us on
0808 000 0000 ^
Lines are open Monday to Friday 8am to 6pm, Saturday 8am to 1pm.
We’ve got two cash plan products to choose from:
Health Expenses
Get cash back towards the cost of everyday healthcare for you.
- Choose from two membership levels.
- Claim back some of your everyday health costs for dental, optical and prescriptions.
- 100% cash back, up to annual benefit limits.
Cash Plan 100
Get cash back for some of you and your family’s healthcare costs.
- Three membership levels, including individual and family options.
- Get cash back on dental, optical, physiotherapy and chiropody/podiatry costs, up to annual benefit limits.
- Get cash back for NHS or private hospital in-patient or day-case admissions, up to 20 instances (nights / days) in total per benefit year.
- Get cash back towards your prescription costs.
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You'll also have up to £12,000 personal accident† cover, per member, per event (main member and partner if covered‡).
†Underwritten by Chubb European Group SE
‡ If opting for Family cover.
Cash plan benefits
Claim back some of your everyday health costs including dental, optical and more
Our simple claims process allows you to submit a claim online or through the post. You'll need to include copies of your receipts and any other documentation needed to support your claim. We will pay the money directly back into your nominated bank account and provide SMS alerts confirming when your claims will be paid.
You don't need to be ill to benefit
Our health cash plans offer help with costs such as cash back towards routine dental check-ups or optical tests. You don't need a medical or a GP referral in order to claim eligible benefits under your cash plan and for Cash Plan 100 and Health Expenses, pre-existing conditions are covered for all benefits. Some of our plans also offer you cash back towards chiropody/podiatry treatments or a range of therapy sessions.
Get access to the Bupa Cash Plan Helpline
Cash Plan 100 offers 24 hour access to health information and guidance alongside legal advice and assistance and counselling advice and assistance, via the Bupa Cash Plan Helpline.
Useful Documents
Health Expenses table of cover
Cash Plan 100 table of cover
Cash Plan Membership Guide
Download a membership guide for more information on Cash Plan terms and conditions.
Documents for existing Additional Health and Mercia Health Benefits customers
Cash Plan Membership Guide (PDF, 0.2MB)
Additional health table of cover (PDF, 8MB)
Mercia Health Benefits Standard (PDF, 0.3MB)
Mercia Health Benefits Standard with funeral grant (PDF, 0.3MB)
Mercia Health Benefits Options (PDF, 0.3MB)
Mercia Health Benefits Options with funeral grant (PDF, 0.4MB)
Your premium includes Insurance Premium Tax (IPT).
Already a Bupa cash plan member?
Claim online
Use our online portal to claim cash back towards your health expenses.
Make a claimClaim by post
You can claim by post by sending your claim form and all supporting receipts and documents to:
Cash plan claims, Bupa, Bupa Place, 102 The Quays, Salford M50 3SP.
Cash plan claim form (PDF, 0.2MB)
Help and support
We’ve got you covered if you need to find out more about making a claim.
Learn moreMost frequently asked questions
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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 back to help with some routine healthcare costs†.
- You pay for treatments, goods or services and then claim up to 100% of eligible costs back up to the benefit limit, which will be paid directly into your nominated bank account.†
- You will not need to be referred by a GP to claim any of your benefits.
- Health cash plan benefits can include cash back towards some of your everyday healthcare 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.
- For Cash Plan 100 and Health Expenses, pre-existing conditions are covered for all benefits
Health insurance
- Health insurance can cover the cost of private healthcare, from diagnosis to treatment. Your subscription 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/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 policy and the benefit limits within it.
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I already have Bupa health insurance. Is it worth me having a Bupa health cash plan as well?
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 claims across more than one insurance policy” section of the membership guide before submitting a claim. You can find the membership guide under the ‘Useful documents’ section above.
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What is a health cash plan?
Our health cash plans provide cash back towards some of the everyday healthcare 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)
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Will I need to have a medical?
No, you won't need a medical to take out a health cash plan.
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How do I make a claim?
To make a claim you must send us a claim form , either by completing our online claim form, send it to us by post. If you'd like to send your claim form by post and you do not have a claim form, you can download a claim form (PDF, 0.2MB) or call us to request one.
When making claims you will need to provide a fully completed claim form and a copy of your receipts where applicable. You must provide additional information or evidence to support your claim, if we make a reasonable request for you to do so.
If we do not have the information we need to assess your claim we will contact you to advise the reason(s) why and what information we require. We will only be able to assess your claim if all the required information is provided.
Claims should be submitted as soon as possible (to avoid delays in processing your claim) and must be submitted within 24 months of the date you received the treatment, goods or services.
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Can I claim benefits straight away even when transferring from my current provider?
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 birth and adoption claims – which have a one year qualifying period, which means that we will not pay claims for births or adoptions that happen within this period.
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What cash plans do Bupa offer?
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 and physiotherapy sessions.
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How often will my benefit limits be refreshed?
Your membership and your benefit year begin from your start date, shown in the welcome letter. For Mercia Health Benefits policies only, your benefit year starts on 1 January each year. Your membership is monthly, and will continue automatically until it is ended and your benefit limits will be refreshed at the start of each benefit year.
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How do I end my membership and do I have to sign up for a minimum length of time?
We think you’ll be delighted with your membership, but if for any reason you’re not, you can end your membership without incurring a fee by calling us or writing to us.
You may end your membership, and therefore that of 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. 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.
‡Where ending a named dependant’s membership results in a change to membership level and a reduction in premium.
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Who can I speak to if I have a question?
If you’d like to discuss a new policy, you can call us on 0808 000 0000 ^. Lines are open Monday to Friday 8am to 6pm, Saturday 8am to 1pm.
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 -
Who provides the personal accident cover for cash plans?
The Personal Accident part of this policy is provided and administered by Chubb European Group SE (CEG) is a Societas Europaea, a public company registered in accordance with the corporate law of the European Union. Members’ liability is limited. CEG is headquartered in France and governed by the provisions of the French insurance code. Risks falling within the European Economic Area are underwritten by CEG, which is authorised and regulated by the French Prudential Supervision and Resolution Authority (4 Place de Budapest, CS 92459, 75436 Paris Cedex 09, France). Registered company number: 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Fully paid share capital of €896,176,662.
CEG’s UK branch is registered in England & Wales. Registered address: 100 Leadenhall Street, London EC3A 3BP. Authorised by the Prudential Regulation Authority and with deemed variation of permission. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website (FS Register number 820988).
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How are my claims paid?
We will pay eligible claims to the main member, via your nominated bank account. All claims will be paid to the main member and not to your named dependants. -
Can I carry over my unused benefits into next year?
No; your membership and your benefit year begin from your start date, shown in the welcome letter. Your benefit limits will be refreshed at the start of each benefit year. -
When do my annual benefits start and end?
Your membership and your benefit year begin from your start date, shown in the welcome letter. Your benefit year is a 12-month period starting on your start date or an anniversary of that start date. For Mercia Health Benefits policies only, your benefit year starts on 1 January each year. -
Can I add my partner and children to my cash plan policy?
If your cash plan allows you to add a partner, defined as your husband, wife, civil partner or the person you live within a relationship similar to that of a marriage or civil partnership, they can only be accepted initially on the policy if they are aged between 18 and 69. Once they are accepted as a member there is no maximum age limit for being a partner on the policy.
If your cash plan allows you to add child dependants, defined as any child of yours or your partner’s, including any child for whom you or your partner is a legal guardian or foster parent, then your child dependants are only eligible to be members if they are under 24 years old and permanently live in the UK. 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.
^ We may record or monitor our calls.
The Personal Accident part of this policy is provided and administered by Chubb European Group SE (CEG) is a Societas Europaea, a public company registered in accordance with the corporate law of the European Union. Members’ liability is limited. CEG is headquartered in France and governed by the provisions of the French insurance code. Risks falling within the European Economic Area are underwritten by CEG, which is authorised and regulated by the French Prudential Supervision and Resolution Authority (4 Place de Budapest, CS 92459, 75436 Paris Cedex 09, France). Registered company number: 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Fully paid share capital of €896,176,662.
CEG’s UK branch is registered in England & Wales. Registered address: 100 Leadenhall Street, London EC3A 3BP. Authorised by the Prudential Regulation Authority and with deemed variation of permission. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website (FS Register number 820988).
Bupa Cash Plan Helpline is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Bupa Cash Plan Helpline is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London EC2R 7HJ
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: 1 Angel Court, London, EC2R 7HJ.
