• What is it?

    Put simply, the Health Cash Plan is an easy, low-cost way to look after your essential medical requirements, including 100% of your money back on dental and optical cover (up to a maximum of £130 benefit each per year). The plan also covers therapy treatments and you'll also get money back towards specialist diagnostic consultation fees.

    With cover at £23.45 per month, a few treatments a year is often all it takes to see the plan pay its way.

    Plus:

    • There are no medical questions
    • Cover for accidents is instant.

    It isn't private medical insurance, but what it will do, is give you cash to cover more routine services, such as a visit to the optician, a dental filling or physio for a sore shoulder. It even pays out £200 for a new baby (a 300-day qualifying period applies). Terms and conditions apply, see policy wording for full exclusions and limitations.

    Rather than relying on savings or a credit card, the health cash plan enables you to claim back some or all the expense.... because those expenses do add up!

    Here's how it works:

     

    This policy is underwritten by Stonebridge International Insurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 203188. Union Income Benefit Holdings Ltd and Stonebridge International Insurance Ltd are both members of the same group of Companies and are ultimately owned and controlled by the Parent Company Embignell Ltd, registered in England no 05871053.

  • Benefits Table

    Below are the benefits covered by the Health Cash Plan. For full details of benefits, qualifying periods and maximum annual benefits, please read the Policy Wording.

    Type 1 BenefitsCash Plan PaysMaximum Benefit Per YearQualifying Period
    Dental Treatment 100% of what you have paid to the qualified practitioner Up to £130 per benefit year 90 days
    Optical Cover 100% of what you have paid to the qualified practitioner Up to £130 per benefit year

    Therapies:

    Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy

    		 75% of what you have paid to the qualified practitioner Up to £150 per benefit year
    Chiropody & Podiatry

    75% of what you have paid to the qualified practitioner

    		 Up to £100 per benefit year
    Specialist Diagnostic consultation fee 75% of what you have paid to the qualified practitioner Up to £300 per benefit year
    Health Screening Benefit

    75% of what you have paid to the qualified practitioner

    		 Up to £150 per benefit year
    Total Maximum Benefit Total benefit claimable across all Type 1 benefits £500 per benefit year
    Type 2 BenefitsCash Plan PaysMaximum Benefit Per YearQualifying Period
    Hospital Inpatient Treatment £30 per night up to a maximum of 20 nights (min 4 consecutive nights) Up to £600 per benefit year 90 days (not applied if accident related)
    Day Case Treatment £20 per day for up to a maximum of 10 days Up to £200 per benefit year 90 days (not applied if accident related)
    New Child Expenses We will pay a benefit of £200 for the birth of each child where you are named as a parent on the birth certificate or adoption certificate for a child under the age of one. 300 days
    Dental Accident 100% of what you have paid to a qualified practitioner for emergency and other treatment following dental injury. Up to £500 per accident and £1,000 per benefit year None
    Total Maximum Benefit Total benefit claimable across all Type 2 benefits £2,500 per benefit year
    Total Maximum Plan Benefit Total benefit claimable across all benefits covered by the plan £3,000 per benefit year
  • Why might I need it?

    This Health Cash Plan is designed to meet the needs of those who wish to have financial help covering the costs of dental or optical expenses, such as check-ups and new prescription glasses and other everyday health expenses.

    Every year you can claim up to the maximum benefit level for each treatment or procedure, subject to the annual maximum total benefits under the plan.

     

  • Policy Docs

    Download policy documentation

    Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

    Policy Wording

    Insurance Product Information Document (IPID)

    We do everything we can to ensure we’re giving you the best possible service, whatever your circumstances. If you require additional support and would like to find out more or to request information in a different format, please contact our friendly customer services team on 0345 026 1101.

What is it?

Put simply, the Health Cash Plan is an easy, low-cost way to look after your essential medical requirements, including 100% of your money back on dental and optical cover (up to a maximum of £130 benefit each per year). The plan also covers therapy treatments and you'll also get money back towards specialist diagnostic consultation fees.

With cover at £23.45 per month, a few treatments a year is often all it takes to see the plan pay its way.

Plus:

• There are no medical questions
• Cover for accidents is instant.

It isn't private medical insurance, but what it will do, is give you cash to cover more routine services, such as a visit to the optician, a dental filling or physio for a sore shoulder. It even pays out £200 for a new baby (a 300-day qualifying period applies). Terms and conditions apply, see policy wording for full exclusions and limitations.

Rather than relying on savings or a credit card, the health cash plan enables you to claim back some or all the expense.... because those expenses do add up!

Here's how it works:

 

This policy is underwritten by Stonebridge International Insurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 203188. Union Income Benefit Holdings Ltd and Stonebridge International Insurance Ltd are both members of the same group of Companies and are ultimately owned and controlled by the Parent Company Embignell Ltd, registered in England no 05871053.

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Benefits Table

Below are the benefits covered by the Health Cash Plan. For full details of benefits, qualifying periods and maximum annual benefits, please read the Policy Wording.

Type 1 BenefitsCash Plan PaysMaximum Benefit Per YearQualifying Period
Dental Treatment 100% of what you have paid to the qualified practitioner Up to £130 per benefit year 90 days
Optical Cover 100% of what you have paid to the qualified practitioner Up to £130 per benefit year

Therapies:

Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy

 75% of what you have paid to the qualified practitioner Up to £150 per benefit year
Chiropody & Podiatry

75% of what you have paid to the qualified practitioner

 Up to £100 per benefit year
Specialist Diagnostic consultation fee 75% of what you have paid to the qualified practitioner Up to £300 per benefit year
Health Screening Benefit

75% of what you have paid to the qualified practitioner

 Up to £150 per benefit year
Total Maximum Benefit Total benefit claimable across all Type 1 benefits £500 per benefit year
Type 2 BenefitsCash Plan PaysMaximum Benefit Per YearQualifying Period
Hospital Inpatient Treatment £30 per night up to a maximum of 20 nights (min 4 consecutive nights) Up to £600 per benefit year 90 days (not applied if accident related)
Day Case Treatment £20 per day for up to a maximum of 10 days Up to £200 per benefit year 90 days (not applied if accident related)
New Child Expenses We will pay a benefit of £200 for the birth of each child where you are named as a parent on the birth certificate or adoption certificate for a child under the age of one. 300 days
Dental Accident 100% of what you have paid to a qualified practitioner for emergency and other treatment following dental injury. Up to £500 per accident and £1,000 per benefit year None
Total Maximum Benefit Total benefit claimable across all Type 2 benefits £2,500 per benefit year
Total Maximum Plan Benefit Total benefit claimable across all benefits covered by the plan £3,000 per benefit year
Why might I need it?

This Health Cash Plan is designed to meet the needs of those who wish to have financial help covering the costs of dental or optical expenses, such as check-ups and new prescription glasses and other everyday health expenses.

Every year you can claim up to the maximum benefit level for each treatment or procedure, subject to the annual maximum total benefits under the plan.

 

Policy Docs

Download policy documentation

Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

Policy Wording

Insurance Product Information Document (IPID)

We do everything we can to ensure we’re giving you the best possible service, whatever your circumstances. If you require additional support and would like to find out more or to request information in a different format, please contact our friendly customer services team on 0345 026 1101.

Union Insurance Services is a trading name of Union Income Benefit Holdings Ltd (UIB) who are authorised and regulated by the Financial Conduct Authority to distribute non-investment insurance products, register number 307575. This can be checked on the FCA website: www.fca.org.uk .

Registered in England No.03877610 Registered Office: 14th Floor, 33 Cavendish Square, London W1G 0PW

© Union Income Benefit 2022