Simply Cash Plan


Everyday health cover and 24/7 telephone GP access from £12.62 a month.

Choose my Cash Plan

What is a Health Cash Plan?

It gives you cash back towards treatments and services from a wide range of healthcare specialists such as; opticians, dentists, physiotherapists, chiropractors and more.

You and your family can visit a healthcare specialist of your choice, when you need to without worrying about the cost – there’s no need to wait for a GP referral. 

What can I benefit from?



You pay


(per month)

You can claim up to £385 per year towards these benefits:

  • £95 for dental care
  • £90 for optical care
  • £50 physiotherapy
  • £150 for Diagnostic Consultation
  • and more benefits
View Details


You pay


(per month)

You can claim up to £585 per year towards these benefits:

  • £120 for dental care
  • £115 for optical care
  • £100 for physiotherapy
  • £50 for Chiropody/Podiatry
  • £200 for Diagnostic Consultation
  • and more benefits
View Details


You pay


(per month)

You can claim up to £835 per year towards these benefits:

  • £145 for dental care
  • £140 for optical care
  • £150 for physiotherapy
  • £100 for Chiropody/Podiatry
  • £300 for Diagnostic Consultation
  • and more benefits
View Details


You pay


(per month)

You can claim up to £1,135 per year towards these benefits:

  • £195 for dental care
  • £190 for optical care
  • £200 for physiotherapy
  • £150 for Chiropody/Podiatry
  • £400 for Diagnostic Consultation
  • and more benefits
View Details

What's included?

  • Choose your practitioner - You can see your regular specialist (eg: chiropractor, osteopath, physiotherapist, optician, dentist etc). As long as the practitioner is covered by the correct governing body, they’re covered by us.
  • Glasses, contact lens prescriptions, eye tests - Your eye care is included. And that includes prescription sunglasses, and prescription swimming goggles, too.
  • Hygienist, x-rays, crowns, fillings - Dental care isn’t just the check-ups. If you need treatment, you can claim on your plan.
  • 24/7 GP access - Speak to a GP any time of the day, plus get access to telephone counselling service and wellbeing and lifestyle guidance.
  • Cover for your family – your partner (living at your address) plus up to 4 children can be added to your policy. They all get individual entitlements to claim.
  • Children are covered for FREE – you can add up to 4 children under 18 to your policy at no extra charge.
  • Pre-existing conditions are covered (apart from hospital stay) - You can start claiming straight away, even if you already need treatment when you join. We want healthcare to be accessible.

And what's not...

  • People living outside the United Kingdom

  • People aged 80 and over are not able to join the policy

Find more details on the plans,
coverage, and pricing

Find out more

How it works

1.	Book your appointment with a healthcare specialist. Attend. And pay.

Book your appointment with your chosen healthcare specialist (eg: dentist, physio etc), and pay for the treatment.

2.	Log in to your Simplyhealth account. Submit your claim and receipt.

Log into your online account and submit your claim with an itemised receipt.

It's that simple!

3.	We’ll review your claim. Once approve, you’ll be paid straight into your bank account within three  working days

We'll review your claim and once approved, we'll pay you back - usually within a few days.

Our purpose is to help you and your family get access to the healthcare you deserve by helping spread the costs. We’re here to help you pay for your healthcare costs.

Choose your plan

Frequently Asked Questions (FAQs)

What is a cash plan?

A health cash plan is a form of health cover that lets you claim back the money you spend on your everyday health costs for a small monthly fee.

When can I start claiming?

You can claim straight away for any treatment that you have on, or after, your policy start date.

How long does it take to get my claim paid?

Once we’ve received your claim, we aim to process it as quickly as possible. Payments will be made straight into your bank. This can take up to 3 to 5 working days to arrive.

Do you need my medical history?

No we don’t. Our cash plan covers you straight away. There is an exclusion for pre-existing conditions under the hospital benefit, for your first 12 months. And the new child payment is not payable for the first 12 months of cover. Otherwise, you can claim and don’t have to declare anything.

How does the 24/7 GP work?

This service lets you speak to a GP at any time, 24 hours a day, 365 days a year. You can discuss any symptoms you may be feeling, and the GP will help decide the best course of action.

You make one initial phone call, and an advisor will arrange for a GP to call you back at a time which works for you.

Do I have to see a specific healthcare specialist?

You’re welcome to choose your own practitioner. We want your treatment to be beneficial for you, and provided by a recognised professional. We do have qualification requirements for certain practitioners. You can find this in part one of our policy document.

Is this Private Medical Insurance (PMI)?

No, our health cash plans aren’t the same as private medical insurance. PMI tends to cover more serious health conditions and expensive healthcare costs. We help towards more everyday costs, like new glasses and a dental check-up. We don’t choose providers for you and ask that you pay for your treatment upfront to then claim reimbursement from us.

How do I claim?

Once you’ve had and paid for your treatment, you’ll need a receipt. It’ll need to show info like your name, the date, and cost of treatment, and the provider. Then you log into your online account and submit your claim online.

How will my claims be paid?

We pay claims directly into your bank account.

Can I cover my family too?

You certainly can, and all of you will have individual entitlements to claim. Your spouse or partner can be added for an additional premium, as long as you both live at the same address. And you can cover up to four children for free until they turn 18.

Will I be reimbursed if I don’t use the plan?

The plan is in place to cover you for everyday health costs and offer you peace of mind. Similar to car or home insurance. We encourage you to use your plan whenever possible, but we’re unable to refund premiums if you haven’t made a claim.

Contact us

New Customers

Discuss your healthcare options by calling us on

0330 102 5392

Mon to Fri: 9am to 8pm

Sat: 9am to 3pm

Existing Customers

Call customer services on

0370 908 3481

Mon to Fri: 8am to 8pm

Sat: 9am to 3pm

We exist to make it as easy as possible for people to access the healthcare treatments they need. This has been our purpose since 1872, and it still drives us today. We aim to serve as many people as possible in the UK – for the long term. We do this via health insurance services, lobbying, and helping our communities thrive.

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