Health cash plans

Money back on everyday healthcare costs

To make a claim by post please send to: PO Box 4959, Slough, SL1 0LG.
Alternatively, you can make a claim online by logging into your account.

Helping you spread the cost of essential healthcare – like trips to the dentist or opticians – with a health cash plan.

Make paying for your healthcare easier and more affordable, by spreading out the cost with our health cash plan. All you do is pay a monthly premium, and then every time you go to the dentist, opticians or physio (plus much more), you send us a receipt and we pay you back.*

We can help you budget for unexpected costs so you don’t need to worry if something crops up – you’ll be able to claim all or part of the money back.*

Our health cash plan covers you for dental, optical and a range of therapies. You can also claim back if you or your partner have a baby or for overnight stays in hospital, plus much more.

Prices start from £8.40 per month** and you’ll have an annual limit for each service. All benefits are 100% reimbursement up to your benefit limit.

You just need to be aged 16 or over when you apply and be a resident of the UK to have a health cash plan with us. Your monthly payments will be made via direct debit. Our family policies mean that you can also claim cash back for your partner. Your child(ren) can be covered on a Personal or Family policy.

Want to know more?

Click here to see more product information.

*The amount you can claim back depends on your maximum limit – details can be found in the policy terms and conditions.
** Based on Personal Bronze cover. Insurance Premium Tax is included.

No advice has been given by BHSF in relation to the sale of this product. For full terms, conditions and exclusions of the policy, please click the policy terms link below to download a copy.. All benefits payable are subject to BHSF policy terms, you can request a copy of these via email: [email protected] or telephone: 0121 454 3601.

Read the full policy terms

Apply online

It’s quick and easy to apply online for our health cash plan. Just click on the button below and you’ll be taken through to our online application form.
Don’t want to apply online? No problem! Give us a call on: 0121 454 3601 and we’ll be happy to help.

Apply online

Find out more about our services to help manage your health and wellbeing.

Our services

Healthy Choices Health Cash Plan

There’s four levels of cover to choose from: Bronze, Silver, Gold and Platinum. Have a look at the table below to decide which level of cover is right for you. Remember, the higher the level of cover, the more benefits you can claim.

Insured Persons Bronze Silver Gold Platinum
Personal Policies cover policyholder and children £8.40 £16.80 £22.05 £31.50
Family Policies cover policyholder, partner and children £16.80 £33.60 £44.10 £63.00

You can choose Personal or Family cover. Personal policies cover the policyholder and children below 18 years of age. Family policies cover Policyholder, Partner and children below age 18 years of age. Where benefit is provided for children, it’s limited to one times the maximum amount shown, shared among all insured children. All insured persons must permanently reside at the same address.

Benefits are paid at 100% reimbursement of the receipt value up to the maximum benefit every benefit year.

Individual policies cover the policyholder and children. Family policies cover the policyholder, partner and children.

Payment is taken via monthly direct debit. All you do is pay your bill and then give us a copy of the receipt (subject to policy terms) and we’ll reimburse you up to the maximum limit.  This policy has a 13 week qualifying period. Please see the ‘Frequently asked questions’ section below for further information on pre-existing conditions and qualifying periods.

It’s as simple as that!


Bronze Silver Gold Platinum
Maximum per insured Person per Benefit Year
Dental 100% of cost
£60 £125 £150 £200
Optical 100% of cost
£70 £125 £150 £200
Combined maximum benefit
100% of cost
£75 £100 £150 £200

Combined benefit including physiotherapy, osteopathy, chiropractic treatment, homeopathy, reflexology and acupuncture carried out by a qualified practitioner. For a full list of all qualified practitioners we recognise, please check the frequently asked questions below.

Chiropody/Podiatry 100% of cost
£50 £100 £150
Hospital In-Patient/Day-Case surgery
Up to 30 nights/days
Per night/day
£20 £20 £30 £40
(adult only)
Per Child
£50 £100 £200 £300
NHS Prescription Charges / Flu Vaccinations 100% of cost
£20 £20 £20 £20

Where benefit is provided for children, the maximum amount is shared among all children insured under the policy. Monthly Premiums include Insurance Premium Tax. Benefits are paid at relevant percentage reimbursement of the cost incurred up to the appropriate maximum per Benefit Year.

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 day case surgery.

Who is eligible for this plan?

Applications are accepted from anyone aged 16 or above at the time of application who reside in the UK. Up to 5 children can be covered on a policy until their 18th birthday.

How do I apply?

You can apply for a health cash plan online or alternatively call our helpdesk on 0121 454 3601.

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/paternity 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.

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.

What professional therapy registers are recognised by BHSF?

Before committing to treatment, please check your policy terms carefully or get in touch with us, to see which therapies are covered and claimable under your plan. If you would like further information about finding a registered practitioner, you may wish to contact one of the following organisations.

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)
Member of the Chinese Medical Institute and Register (MCMIR)
Member of the Acupuncture Foundation Professional Association (AFPA)
Licensed Acupuncturist (Lic Ac)
Registered with the Association of Traditional Chinese Medicine and Acupuncture UK (ATCM), for practitioners with the prefixes FM, CA, CB and CC.
British Acupuncture Federation (BAF)
British Acupuncture Association (BAA)
The Association of Acupuncture Clinicians’ (AAC)
The Acupuncture & Acutherapist Council (MAAcC)
Allergy Testing Complementary and Natural Healthcare Council registered (CNHC)
British Society for Allergy and Clinical Immunology registered (BSACI)
Diploma in Allergy and Environmental Therapy (Dip AET)
Diploma in Allergy Testing (Dip Allergy)
Chiropody Registered with the Health & Care Professions Council (HCPC) on the register of Chiropodists/Podiatrists
Chiropractic Registered with the General Chiropractic Council (GCC)
Hearing Aids Dispensers Registered with the Health and Care Professions Council (HCPC) on the register of Hearing Aid Dispensers
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)
Member of The Federation of Holistic Therapists (FHT)
Registered with British Register of Complementary Practitioners (BRCP)
Osteopathy Registered with the General Osteopathic Council (GOsC)
Physiotherapy Registered with the Health & Care Professions Council (HCPC) on the register of Physiotherapists
Reflexology Member/Associate Member of the Association of Reflexologists (AMAR/AOR)
Fellow of the British Reflexology Association (FBRA)
Member of the Association of Reflexologists (MAR)
Member of the British Reflexology Association (MBRA)
International Institute of Reflexology registered (IIR)
Member of the International Federation of Reflexologists (MIFR)
Complementary and Natural Healthcare Council registered (CNHC)
Member of The Federation of Holistic Therapists (FHT)
The Complementary Therapists Association (CThA)
Registered with British Register of Complementary Practitioners (BRCP)
Sports Massage Member of the International Institute of Sports Therapy (MIIST)
Member of the Sports Therapy Organisation (MSTO)
Member of the Sports Massage Association (MSMA)
Member of the General Council for Massage Therapies (MGCMT)
The British Association of Sport Rehabilitators and Trainers (BASRaT)
The Scottish Massage Therapists Organisation (SMTO)
Registered with British Register of Complementary Practitioners (BRCP)



Before committing to treatment, please check your policy terms carefully or get in touch with us, to see which therapies are covered and claimable under your plan.