What is a health cash plan?
A health cash plan allows you to claim back some of the costs of routine health expenses for a monthly premium. These include dental check-ups, eye tests, physiotherapy sessions and more.
The information here is for existing cash plan customers as we no longer offer cash plans to new business.
Make a claim online or by post
Complete our online form or download a claim form and send it to Bupa Place, 102 The Quays, Salford, M50 3SP
Help and support
Get in touch for any queries about your cash plan or making a claim
Call us
0345 606 6003^
^Lines are open 8am to 6pm Monday to Friday. We may record or monitor our calls.
Request a callback
Lines are open 8am to 6pm Monday to Friday. We may record or monitor our calls.
Request a callbackOnline form
Got a question? Complete this quick form and we’ll get back to you soon.
Contact us formUseful documents for existing cash plan customers
Membership guides
Cash Plan Membership Guide B2C
Table of cover
Mercia Health Benefits Standard with Funeral Grant table of cover
Mercia Health Benefits Options with Funeral Grant table of cover
A key difference is that a health cash plan provides cash back on some routine healthcare costs.†† 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.††
- 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.
- 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.
††Subject to the terms and conditions of your policy and the benefit limits within it.
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.
- 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.
You may end the membership of any of your named dependants:
††Where ending a named dependant’s membership results in a change to membership level and a reduction in premium.
What's next?
Email us
Get in touch using our online form.
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.