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Health cash plan

A simple, effective health insurance plan enabling you to claim cash towards your everyday healthcare expenses.

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 £7.53* 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!

* Prices are increasing slightly from 1 March 2019.

† 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 four levels of cover to choose from: Core, Value, Bonus and Premier. 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.

  Core plan Value plan Bonus plan Premier plan
  Individual Family Individual Family Individual Family Individual Family
Benefits Maximum benefit per benefit period
100% reimbursement rate
up to £70 £70 £100 £100 £130 £130 £200 £200
75% reimbursement rate
up to £70 £70 £100 £100 £130 £130 £200 £200
Benefits payable at % reimbursement 50% 75%
Health consultation up to £100 £100 £125 £125 £150 £150 £225 £225
Health screening up to £32 £32 £40 £40 £48 £48 £75 £75
Therapies up to £250 £250 £375 £375 £500 £500 £750 £750
Hearing aids up to £250 £250 £375 £375 £500 £500 £750 £750
Hospital in-patient
per night up to 30 nights
per night £12 £12* £14 £14* £16 £16* £25 £25*
Hospital parental stay
(family policies only - adult benefit)
per night - £12 - £14 - £16 - £25
Recuperation lump sum £100 £100* £125 £125* £150 £150* £225 £225*
Hospital day-case surgery
up to 6 occasions
per event £12 £12* £14 £14* £16 £16* £25 £25*
Maternity per child £100 £200 £125 £250 £150 £300 £225 £450
Personal accident
(adult benefit only)
up to £40,000 £40,000 £60,000 £60,000 £80,000 £80,000 £120,000 £120,000
Telephone helpline   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
GP helpline and Online consultation service   24 hours a day, 7 days a week providing telephone access to medical advice from qualified GPs
Private Prescription service   Enables doctors to issue private prescriptions and send them directly to a registered pharmacy for despatch to a patient
Network Benefits   Network Benefits is an internet based benefits discount site with discounts and savings at over 100 top high street names
Monthly Premium
(including Insurance Premium Tax)
Core plan Value plan Bonus plan Premier plan
Age bands Individual Family Individual Family Individual Family Individual Family
16 - 34 £7.93 £15.08 £11.14 £21.10 £16.16 £31.37 £28.21 £48.53
35 - 44 £9.06 £17.25 £12.91 £24.48 £18.59 £36.05 £32.41 £55.77
45 - 54 £10.23 £19.46 £14.56 £27.69 £21.10 £40.82 £36.96 £63.44
55 - 64 £11.48 £21.75 £16.34 £31.07 £23.66 £45.59 £41.30 £70.98
65 - 74 £12.65 £23.96 £18.03 £34.15 £26.04 £50.01 £45.46 £78.13
75 and over £14.47 £27.47 £20.63 £39.09 £29.86 £57.20 £52.00 £89.74

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.

What professional therapy registers are recognised by BHSF?

Please check your policy terms carefully to see which therapy benefits are covered. If you would like further information about finding a registered practitioner, you may wish to contact one of the following organisations:

Osteopathy General Osteopathic Council
Chiropractic General Chiropractic Council
Physiotherapy Health & Care Professions Council
Chiropody Health & Care Professions Council
Hearing Aids Health & Care Professions Council
Acupuncture British Medical Acupuncture Society
British Acupuncture Council
Acupuncture Association of Chartered Physiotherapists
British Academy of Western Medical Acupuncture
Chinese Medical Institute and Register
Homeopathy Homeopathic Medical Association
Society of Homeopaths
Alliance of Registered Homeopaths
Faculty of Homeopathy
Federation of Holistic Therapists
Reflexology Association of Reflexologists
British Reflexology Association
Association of Reflexologists
British Reflexology Association
International Institute of Reflexology registered
International Federation of Reflexologists
Complementary and Natural Healthcare Council registered
The Federation of Holistic Therapists

Find out more

Call our Helpdesk team today on 0800 622 552

What our customers say

Health cash plan
"I've used this service four times in the last year. The last call was for my wife; we called at 7am and a doctor called back within 25 minutes. The problem was addressed over an hour before our local surgery even opened. Unless I need to see my GP in person, I would use this facility every time from now on."
BHSF policyholder
Health cash plan
"I go to the osteopath every two months to help with the damage done to my back. The benefits are enormous. My back pain has gone, and I can now see to the side without having to turn around. With each session costing £42, my health cash plan is helping me maintain a major improvement in my physical wellbeing."
BHSF policyholder
"Care4 has provided me with the reassurance that if the inevitable happens, my family will have the financial support they need. It will be an emotional time, and it doesn't need to be made any more difficult by worries of where the money will come from to pay for the funeral."
BHSF policyholder
Network Benefits
"This year my car insurance quote increased significantly, so I decided to look around to find a better deal. With Network Benefits I was able to get a quote that was £100 cheaper than my renewal and would reduce my excess by £430 - the service was quick and effective. I would recommend it to anyone."
Network Benefits member

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Health cash plan provider of the year 2016
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Investment Life and Pensions Awards - Commended in the Best Health Cash Plan Provider category
Midlands Business Awards
Winner of Midlands Corporate Commitment to the Community Award at the Midlands Business Awards
Birmingham chamber of commerce
Mike Tresham, Operations Manager, BHSF - Winner of the Future Face of Business Award at the Birmingham Chamber Bicentenary Awards
Birmingham chamber of commerce
Joint winner of the award for Excellence in Contributing to the Community
Very important benefits award 2016