Call BHSF now: 0800 622 552

Plan4Life Cancer Cover

Cancer insurance providing additional cash help when you need it most

Did you know?

  • 1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime(1)
  • By the end of 2016, there will be more than 1,000 people diagnosed with cancer in the UK every day(2)
  • 33% stop working temporarily or permanently following a cancer diagnosis(3)

The good news:

  • 50% of people live for 10 years or more following a cancer diagnosis(4)
  • Cancer survival rates in the UK have doubled in the last 40 years(4)

Recent research suggests 1 in 3 people living with cancer lose £860 a month in earnings because they are unable to work, or are forced to cut down their hours(3). Would you be able to cope financially if this were to happen?

Things to know about Plan4Life Cancer Cover:

  • Claim up to £25,000† on diagnosis of malignant cancer
  • Premiums start from just £4.33 a month for Bronze cover for those aged 18-34
  • Premiums are age banded and increase with age
  • The policy automatically terminates on the insured persons 75th birthday
  • The maximum age the applicant can be at the time of application is 64
  • Family medical history is not taken into account
  • There are five levels of cover to choose from
  • Plan4Life Cancer Cover covers cancers, carcinoma in situ, and tumours of the brain, spinal cord and meninges
  • Payment is made at half the stated amount if you are a smoker - you should let us know in writing of any change to your smoking status

With Plan4Life Cancer Cover you can claim a cash sum payment that can help towards:

  • Monthly bills
  • Additional travel costs
  • Alternative therapies or drugs not available on the NHS
  • Simply some time spent to rest and recuperate without constant financial worry

Support and advice

Plan4Life Cancer Cover features two important services which each deliver valuable information, advice and support, providing help with cancer.

  • The GP helpline is staffed by qualified GPs who can provide advice and reassurance about your health concerns
  • The counselling service connects you with counsellors who offer long-term support for you and your family
  • The services can be accessed 24/7, 365 days a year, at any time during the life of your policy

† Full amount payable under Diamond cover if you are a non-smoker. Payable tax-free under current legislation - this may change in the future.

If you are aged 18 - 64 years inclusive at the time of application, and normally reside in the United Kingdom, you can apply for a policy, which will continue until your 75th birthday when it will automatically cease. The premium payable is dependent on your age, and no medical examination or questionnaire is required to apply for cover. Premiums increase with age in accordance with the premium table. Premiums are collected at the new rate on the first payment date after the birthday on which you move into a new age band.

(1) Cancer Research UK,, Accessed August 2015.

(2) MacMillan Cancer Support,, Accessed August 2015.

(3) Macmillan Cancer Support (2013), Cancer�s Hidden Price Tag: revealing the costs behind the illness

(4) Cancer Research UK,, Accessed August 2015.

Plan4Life Cancer Cover benefits table

There are five levels of cover to choose from - look at the table below to see which level of cover best suits your needs.

Payment is by monthly Direct Debit and the level of benefit payable varies depending on the type of cancer and the level of cover you choose. If you are a smoker, the payments you can claim are half those shown in the benefit table below. The maximum age the applicant can be at the time of application is 64.

To join today call 0800 622 552, or request an application form.

Age Band Bronze Silver Gold Platinum Diamond
18 - 34 £4.33 £4.80 £5.35 £5.90 £6.50
35 - 44 £5.26 £6.80 £7.86 £9.91 £11.49
45 - 54 £7.72 £11.59 £14.43 £19.41 £23.36
55 - 64 £10.99 £18.39 £26.01 £33.18 £40.57
65 - 69 £15.62 £27.94 £41.91 £52.42 £64.59
70 - 74 £17.94 £32.88 £50.95 £62.48 £77.14

Premiums increase with age in accordance with the premium table above, and are collected at the new rate, on the first payment date after the birthday on which you move into a new age band.

Benefits Bronze Silver Gold Platinum Diamond
A Malignant cancer
(including mailignant melanoma)

Benign tumour of the brain, spinal cord or meninges
Ductal carcinoma in situ of the breast
£5,000 £10,000 £15,000 £20,000 £25,000
B Carcinoma in situ
Skin cancer (excluding malignant melanoma which is covered under A above)
£250 £250 £250 £250 £250
C GP helpline
24 hours a day, 7 days a week providing telephone access to medical advice from qualified GPs
D Counselling support service
Help and support from qualified counsellors

All sums insured are payable at 50% of the amount shown if you are a smoker.

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
Investment Life and Pensions Awards
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