Health cash plan
A simple, effective health insurance plan enabling you to claim cash towards your everyday healthcare
Health cash plans are a great way of taking care of your health, without spending
a fortune doing so. With Choices health cash plan you can claim cash back, up to an annual limit, for
routine and emergency healthcare. Choices incorporates optical and dental insurance
as well as a range of other benefits.
You can claim towards:
- The cost of optical care including eyesight tests, new glasses and contact lenses
- Dental check-ups and treatment
- Therapy treatments such as physiotherapy, osteopathy and acupuncture
- Diagnostic health consultations
- Hospital in-patient stays and hospital day-case surgery
- Much more!
Things to know about Choices:
- Cover starts from just £6.80 per month†
- Premiums are age banded and increase with age
- No medical examination is required
- Individual and family cover is available
- Claims are paid directly to you, either by cheque or into your bank account
Apply for your Choices health cash plan today!
† Premium based on individual core plan cover for a 17-34 year old. Premiums are payable by
monthly Direct Debit and are based on the age of the oldest adult to be insured. Premiums will increase with age; we
will write notifying you in advance of any premium increase.
You are eligible to claim 13 weeks from the start date of your policy, with the exception of maternity
payment (10 month qualifying period) and for pre-existing medical conditions which result in a hospital-related claim
(2 year qualifying period).
Choices health cash plan benefits table
There are three levels of cover to choose from: Core, Value and Bonus. Look at the table below to see which level of cover best suits
your needs. Remember, the higher level of cover, the greater the benefits you can claim.
Decide if you want individual or family cover. The premiums table is below and premiums for family policies are based on the oldest adult
to be insured. Family policies cover the policyholder, partner and all dependent children below 18 years of age at equal benefits unless
shown otherwise in the table below. Where benefit is provided for children it is limited to once times the maximum amount shown, shared
amongst all insured children. Individual policies cover the policyholder only.
Benefits are paid at the relevant reimbursement of the receipt value up to the maximum benefit every benefit year, unless otherwise
stated. Payment is by monthly Direct Debit.
Simply pay your bill, send the receipt to BHSF and subject to policy terms, we will reimbursement you up to the maximum limit -
It’s as simple as that!
To join today call 0800 622 552, or
request an application form.
|Benefits||Maximum benefit per benefit period
100% reimbursement rate
75% reimbursement rate
|Benefits payable at % reimbursement||50%
|Hearing aids/Surgical appliances
|Home help/Home nusring
per night up to 30 nights
|Hospital parental stay
|Hospital day-case surgery
up to 6 occasions
(adult benefit only)
24 hours a day, 7 days a week providing telephone access to medical advice from qualified GPs
|| ||24 hour, 365 days a year telephone helpline
covering a counselling service on stress,
family relationships, substance abuse and debt, along with legal and financial advice and information on medical matters
(including Insurance Premium Tax)
|Core plan||Value plan||Bonus plan
|17 - 34
|35 - 44
|45 - 54
|55 - 64
|65 - 74
|75 and over
Where benefit is provided for Children the maximum amount is shared among all Children insured under the policy.
* Benefit for Children is payable at half the amount indicated
Frequently asked questions
What is a health cash plan?
The plan pays you cash towards your everyday healthcare costs, such as dental check-ups and treatment, eyesight tests, new glasses and contact lenses,
diagnostic health consultations and therapy treatments, plus many more benefits.
Is a health cash plan the same as private medical insurance?
No, private medical insurance pays for treatment and operations performed privately. A health cash plan is a healthcare plan which complements the NHS by reimbursing bills for everyday healthcare treatments and also paying lump sum payments for hospital in-patient stays and recuperation.
Who is eligible for this plan?
Applications are accepted from anyone aged 17 or over at the time of application who normally resides in the United Kingdom. Children can be covered on a family policy until their 18th birthday.
How do I apply?
Choose which level of cover best suits your needs, and complete an application form. You should return your application to: BHSF Limited, Gamgee House, 2 Darnley Road, Birmingham, B16 8TE.
You can apply for a health cash plan online or alternatively call our helpdesk on 0800 622 552 to request a hard copy application form through the post.
How will I know if I have been accepted?
You will be sent a welcome pack containing your policy and full information.
When do I qualify for health cash plan benefit?
You will be eligible to claim 13 weeks from the start date shown on your policy with the exception of maternity benefit, which
carries a 10 month qualifying period.
What if I have a pre-existing medical condition?
You will not be able to make hospital-related claims which are connected to that problem for two years. However, you will be covered for all other benefits and
hospital claims if they are not related.
Is it easy to claim?
Yes. Simply pay your bill, complete your claim form and send it to BHSF with the original receipt, and subject to policy terms we will reimburse you up
to your maximum benefit limit. Benefits are paid directly to you by credit transfer to your bank account or alternatively by cheque sent to your home address.
Can I upgrade to a higher level of cover later?
Yes. You should review your cover periodically to ensure it remains adequate. If you wish to do so, you can apply to upgrade your level of cover.
However, you must stay at the new level of cover for at least one year before you can downgrade, and a further waiting period applies.
What professional therapy registers are recognised by BHSF?
|Osteopathy||Registered with the General Osteopathic Council (GOsC)
|Chiropractic||Registered with the General Chiropractic Council (GCC)
|Physiotherapy||Registered with the Health & Care Professions Council (HCPC) on the register of Physiotherapists
|Chiropody||Registered with the Health & Care Professions Council (HCPC) on the register of Chiropodists/Podiatrists
|Acupuncture||Registered with the British Medical Acupuncture Society (BMAS)
Registered with the British Acupuncture Council (BAcC)
Member of the Acupuncture Association of Chartered Physiotherapists (AACP)
Licenced by the British Academy of Western Medical Acupuncture (BAWMA and Lic.Ac.)
|Homeopathy||Registered with the Homeopathic Medical Association (MHMA)
Registered with the Society of Homeopaths (RSHom)
Registered with the Alliance of Registered Homeopaths (MARH)
Registered with the Faculty of Homeopathy (MFHom)
Please check the policy terms for the relevant product before providing information.