Helping you pay for the cost of routine healthcare such as dental check-ups, new glasses or contact lenses, physiotherapy and other treatments.
Put simply, the Health Cash Plan is an easy, low-cost way to look after your essential medical requirements, including up to 100% of your money back on dental and optical cover (up to a maximum of £150 benefit each per year). The plan also covers therapy treatments and you'll get money back towards prescription charges and specialist consultation fees.
With cover starting from £15.27 per month, just a couple of treatments a year is often all it takes to see the plan pay its way.
Plus:
• There are no medical questions;
• Pre-existing conditions are covered (following the qualifying periods that apply to each benefit);
• 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 includes cover for hospital car parking costs and will pay out £200 for a new baby, £900 if it's twins (a 300 day qualifying period applies).
Rather than relying on savings or a credit card, the health cash plan enables you to claim back some or all of the expense....because those expenses do add up!
And it's not only financial benefits offered by your plan. There's access to a 24-hour helpline and counselling service for added peace of mind.
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.
What's covered:
| Benefits | Cash Plan Pays | Maximum Benefit Per Year | Qualifying Period (from plan start date) |
|---|---|---|---|
| Dental Cover | 100% of what you have paid | Up to £150 | 60 days |
| Dental Accident Emergency Cover | Up to £2,500 per dental accident | Up to £10,000 | None |
| Optical Cover | 100% of what you have paid | Up to £150 | 60 days |
| Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy | 75% of what you have paid | Up to £300 | 90 days |
| GP Expenses & Prescriptions | 75% of 4 NHS prescriptions | 75% of 4 NHS Prescriptions | 90 days |
| Hospital Inpatient (plus Hospital car parking charges) |
£65 per night for up to 20 days. |
Up to £2,600 | 30 days (none for accidents) |
| Day Case Treatment | £40 per day for up to 10 days | Up to £400 | 30 days (none for accidents) |
| Parental Hospital Stay per night (plus Hospital car parking charges) |
£25 per day / night for up to 20 days. |
Up to £700 | 30 days (none for accidents) |
| Childbirth Benefit | £200 for each child / For twins, £450 for each child | No maximum | 300 days |
| Chiropody & Podiatry | 75% of what you have paid | Up to £100 | 90 days |
| Specialist consultation fees (including diagnostic tests) | 75% of what you have paid | Up to £400 | 90 days |
| Health Check/lifestyle assessment benefit | 75% of what you have paid | Up to £200 | 90 days |
What's not covered:
You cannot claim for any benefit within the relevant qualifying period e.g. 60 days for optical and dental, 90 days for therapy treatments. You will not be paid for more than one benefit for the same treatment or hospital stay. Pre-existing conditions are covered following these qualification periods.
Full details of this cover, and any exclusions that apply, are included in the 'What is not covered' section of the Policy Wording.
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 for other routine medical expenses.
Every year you can claim up to the maximum benefit level for each treatment or procedure. To find out how you might use the cover, check out how Tom could use his cover...
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.
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.
"As I wear glasses and have a dental check-up every 6 months, the plan has more than paid for itself. Add in couple of other routine health expenses during the year, I was able to claim over £340 – that’s £150 more back than I paid for the plan. So I’ll be keeping mine…"
Shona M, London
A health cash plan is an easy, low-cost way to look after your basic healthcare costs, including dental check-ups, eyesight tests, therapy treatments and even hospital car parking. You pay the bill upfront and then claim back the costs. The amounts you can claim depend on the benefit type and this can be found in the table of benefits.
No, this isn't private medical insurance. A health cash plan provides cash benefits for routine healthcare costs e.g. dental treatments, prescription glasses, prescription costs and therapies such as physio and osteopathy.
You can be covered provided you are aged 18-65 and a UK resident.
Plus, there are no medical questions to answer - acceptance is guaranteed - and your policy can continue until your 75th birthday as long as you pay the monthly premium.
Some benefits have a qualifying period of between 30 to 120 days before you are entitled to claim, however following this period all pre-existing medical conditions will be covered. For details regarding the qualification periods, please see the table of benefits.
Cover is only available to residents of England, Scotland, Northern Ireland and Wales.
Below are just some of the benefits covered by the Health Cash Plan.
What's covered:
| Benefits | Cash Plan Pays | Maximum Benefit Per Year | Qualifying Period (from plan start date) |
|---|---|---|---|
| Dental Cover | 100% of what you have paid | Up to £150 | 60 days |
| Dental Accident Emergency Cover | Up to £2,500 per dental accident | Up to £10,000 | None |
| Optical Cover | 100% of what you have paid | Up to £150 | 60 days |
| Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy | 75% of what you have paid | Up to £300 | 90 days |
| GP Expenses & Prescriptions | 75% of 4 NHS prescriptions | 75% of 4 NHS Prescriptions | 90 days |
| Hospital Inpatient (plus Hospital car parking charges) |
£65 per night for up to 20 days. |
Up to £2,600 | 30 days (none for accidents) |
| Day Case Treatment | £40 per day for up to 10 days | Up to £400 | 30 days (none for accidents) |
| Parental Hospital Stay per night (plus Hospital car parking charges) |
£25 per day / night for up to 20 days. |
Up to £700 | 30 days (none for accidents) |
| Childbirth Benefit | £200 for each child / For twins, £450 for each child | No maximum | 300 days |
| Chiropody & Podiatry | 75% of what you have paid | Up to £100 | 90 days |
| Specialist consultation fees (including diagnostic tests) | 75% of what you have paid | Up to £400 | 90 days |
| Health Check/lifestyle assessment benefit | 75% of what you have paid | Up to £200 | 90 days |
For a full list of benefits, qualifying periods and maximum annual benefits, please read the Policy Wording.
You cannot claim for a benefit within the qualification period for that benefit.
You will not be paid for more than one benefit for the same treatment or hospital stay.
You cannot claim for treatment required as the result of certain events which are listed as excluded on your policy. Click here to see the full list in the Policy Wording.
Some benefits have a waiting period (qualifying period) of between 30 to 120 days before you are entitled to claim. This limitation does not apply if the claim is as the result of an accident for ‘dental’, ‘hospital in-patient’, ‘day patient treatment’ or ‘parental hospital stay’ or using the help lines, which are covered immediately as long as your first premium has been received or your policy has been issued.
Use our Instant quote form above to find out how much this cover will cost per month.
Cover starts immediately on completion of your application subject to the qualification periods for certain benefits which can be checked on the Schedule of Benefits.
The policy and any benefits you may be receiving will end on the earliest of the following:
• You die;
• Your policy is due for renewal after you reach the age of 75;
• You stop permanently residing in the UK;
• You or we cancel this policy as shown in your policy document; or
• You stop paying your premiums;
*NB. You will need to advise us if your circumstances change.
This insurance is arranged by Union Income Benefit Holdings Ltd and underwritten by Advent Insurance PCC Ltd - UIB Cell.
We’ve made it simple to claim. When you pay for your treatment, make sure to ask for a receipt which includes:
• A description of the treatment received or the items paid for
• the date of the treatment
• the full cost
• the date the account was paid (you must pay for the treatment before making a claim)
Claim Form:
• If you first bought the Health Cash Plan cover ON OR AFTER 01/08/2019 click here to download a claim form.
• If you first bought the Health Cash Plan cover BEFORE 01/08/2019 and you are claiming for something that happened BEFORE 01/09/2019 click here to download a claim form.
• If you first bought the Health Cash Plan cover BEFORE 01/08/2019 and you are claiming for something that happened ON OR AFTER 01/09/2019 click here to download a claim form.
If you have another insurance policy in force at the time of a valid claim, which covers you for the same loss or expense, Union Income Benefit Holdings Ltd will still pay you the benefit, however they may seek to recover some or all of the costs from the other insurer.
You can cancel the policy within 14 days of the start date and we will refund any premium paid if no claim has been made. Following this, you may cancel the policy at any time in writing to UniteProtect, 39/51 Highgate Road, London NW5 1RT, by emailing customerservices@uniteprotect.com or by phone on 0343 178 1249 but we will not refund any premium paid.
Put simply, the Health Cash Plan is an easy, low-cost way to look after your essential medical requirements, including up to 100% of your money back on dental and optical cover (up to a maximum of £150 benefit each per year). The plan also covers therapy treatments and you'll get money back towards prescription charges and specialist consultation fees.
With cover starting from £15.27 per month, just a couple of treatments a year is often all it takes to see the plan pay its way.
Plus:
• There are no medical questions;
• Pre-existing conditions are covered (following the qualifying periods that apply to each benefit);
• 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 includes cover for hospital car parking costs and will pay out £200 for a new baby, £900 if it's twins (a 300 day qualifying period applies).
Rather than relying on savings or a credit card, the health cash plan enables you to claim back some or all of the expense....because those expenses do add up!
And it's not only financial benefits offered by your plan. There's access to a 24-hour helpline and counselling service for added peace of mind.
Scroll to topBelow 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.
What's covered:
| Benefits | Cash Plan Pays | Maximum Benefit Per Year | Qualifying Period (from plan start date) |
|---|---|---|---|
| Dental Cover | 100% of what you have paid | Up to £150 | 60 days |
| Dental Accident Emergency Cover | Up to £2,500 per dental accident | Up to £10,000 | None |
| Optical Cover | 100% of what you have paid | Up to £150 | 60 days |
| Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy | 75% of what you have paid | Up to £300 | 90 days |
| GP Expenses & Prescriptions | 75% of 4 NHS prescriptions | 75% of 4 NHS Prescriptions | 90 days |
| Hospital Inpatient (plus Hospital car parking charges) |
£65 per night for up to 20 days. |
Up to £2,600 | 30 days (none for accidents) |
| Day Case Treatment | £40 per day for up to 10 days | Up to £400 | 30 days (none for accidents) |
| Parental Hospital Stay per night (plus Hospital car parking charges) |
£25 per day / night for up to 20 days. |
Up to £700 | 30 days (none for accidents) |
| Childbirth Benefit | £200 for each child / For twins, £450 for each child | No maximum | 300 days |
| Chiropody & Podiatry | 75% of what you have paid | Up to £100 | 90 days |
| Specialist consultation fees (including diagnostic tests) | 75% of what you have paid | Up to £400 | 90 days |
| Health Check/lifestyle assessment benefit | 75% of what you have paid | Up to £200 | 90 days |
What's not covered:
You cannot claim for any benefit within the relevant qualifying period e.g. 60 days for optical and dental, 90 days for therapy treatments. You will not be paid for more than one benefit for the same treatment or hospital stay. Pre-existing conditions are covered following these qualification periods.
Full details of this cover, and any exclusions that apply, are included in the 'What is not covered' section of the Policy Wording.
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 for other routine medical expenses.
Every year you can claim up to the maximum benefit level for each treatment or procedure. To find out how you might use the cover, check out how Tom could use his cover...
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.
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.
"As I wear glasses and have a dental check-up every 6 months, the plan has more than paid for itself. Add in couple of other routine health expenses during the year, I was able to claim over £340 – that’s £150 more back than I paid for the plan. So I’ll be keeping mine…"
Shona M, London
A health cash plan is an easy, low-cost way to look after your basic healthcare costs, including dental check-ups, eyesight tests, therapy treatments and even hospital car parking. You pay the bill upfront and then claim back the costs. The amounts you can claim depend on the benefit type and this can be found in the table of benefits.
No, this isn't private medical insurance. A health cash plan provides cash benefits for routine healthcare costs e.g. dental treatments, prescription glasses, prescription costs and therapies such as physio and osteopathy.
You can be covered provided you are aged 18-65 and a UK resident.
Plus, there are no medical questions to answer - acceptance is guaranteed - and your policy can continue until your 75th birthday as long as you pay the monthly premium.
Some benefits have a qualifying period of between 30 to 120 days before you are entitled to claim, however following this period all pre-existing medical conditions will be covered. For details regarding the qualification periods, please see the table of benefits.
Cover is only available to residents of England, Scotland, Northern Ireland and Wales.
Below are just some of the benefits covered by the Health Cash Plan.
What's covered:
| Benefits | Cash Plan Pays | Maximum Benefit Per Year | Qualifying Period (from plan start date) |
|---|---|---|---|
| Dental Cover | 100% of what you have paid | Up to £150 | 60 days |
| Dental Accident Emergency Cover | Up to £2,500 per dental accident | Up to £10,000 | None |
| Optical Cover | 100% of what you have paid | Up to £150 | 60 days |
| Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy | 75% of what you have paid | Up to £300 | 90 days |
| GP Expenses & Prescriptions | 75% of 4 NHS prescriptions | 75% of 4 NHS Prescriptions | 90 days |
| Hospital Inpatient (plus Hospital car parking charges) |
£65 per night for up to 20 days. |
Up to £2,600 | 30 days (none for accidents) |
| Day Case Treatment | £40 per day for up to 10 days | Up to £400 | 30 days (none for accidents) |
| Parental Hospital Stay per night (plus Hospital car parking charges) |
£25 per day / night for up to 20 days. |
Up to £700 | 30 days (none for accidents) |
| Childbirth Benefit | £200 for each child / For twins, £450 for each child | No maximum | 300 days |
| Chiropody & Podiatry | 75% of what you have paid | Up to £100 | 90 days |
| Specialist consultation fees (including diagnostic tests) | 75% of what you have paid | Up to £400 | 90 days |
| Health Check/lifestyle assessment benefit | 75% of what you have paid | Up to £200 | 90 days |
For a full list of benefits, qualifying periods and maximum annual benefits, please read the Policy Wording.
You cannot claim for a benefit within the qualification period for that benefit.
You will not be paid for more than one benefit for the same treatment or hospital stay.
You cannot claim for treatment required as the result of certain events which are listed as excluded on your policy. Click here to see the full list in the Policy Wording.
Some benefits have a waiting period (qualifying period) of between 30 to 120 days before you are entitled to claim. This limitation does not apply if the claim is as the result of an accident for ‘dental’, ‘hospital in-patient’, ‘day patient treatment’ or ‘parental hospital stay’ or using the help lines, which are covered immediately as long as your first premium has been received or your policy has been issued.
Use our Instant quote form above to find out how much this cover will cost per month.
Cover starts immediately on completion of your application subject to the qualification periods for certain benefits which can be checked on the Schedule of Benefits.
The policy and any benefits you may be receiving will end on the earliest of the following:
• You die;
• Your policy is due for renewal after you reach the age of 75;
• You stop permanently residing in the UK;
• You or we cancel this policy as shown in your policy document; or
• You stop paying your premiums;
*NB. You will need to advise us if your circumstances change.
This insurance is arranged by Union Income Benefit Holdings Ltd and underwritten by Advent Insurance PCC Ltd - UIB Cell.
We’ve made it simple to claim. When you pay for your treatment, make sure to ask for a receipt which includes:
• A description of the treatment received or the items paid for
• the date of the treatment
• the full cost
• the date the account was paid (you must pay for the treatment before making a claim)
Claim Form:
• If you first bought the Health Cash Plan cover ON OR AFTER 01/08/2019 click here to download a claim form.
• If you first bought the Health Cash Plan cover BEFORE 01/08/2019 and you are claiming for something that happened BEFORE 01/09/2019 click here to download a claim form.
• If you first bought the Health Cash Plan cover BEFORE 01/08/2019 and you are claiming for something that happened ON OR AFTER 01/09/2019 click here to download a claim form.
If you have another insurance policy in force at the time of a valid claim, which covers you for the same loss or expense, Union Income Benefit Holdings Ltd will still pay you the benefit, however they may seek to recover some or all of the costs from the other insurer.
You can cancel the policy within 14 days of the start date and we will refund any premium paid if no claim has been made. Following this, you may cancel the policy at any time in writing to UniteProtect, 39/51 Highgate Road, London NW5 1RT, by emailing customerservices@uniteprotect.com or by phone on 0343 178 1249 but we will not refund any premium paid.
