Simply Cash Plan

Your questions answered

We've answered some common questions about the Simply Cash Plan for individuals.

If you do not currently have a policy with us and your question isn't answered here, please contact us on 0800 197 6999.

If you're an existing customer please refer to your policy terms and conditions as your product may differ to the one shown on the website. If you still can't find what you're looking for, please call our customer services team on 0370 908 3481*, we're always happy to help.

Joining online

Administering your policy / Miscellaneous

Your benefits

Claims & claiming

Joining online

How long does it take to join online?

Once you have read the policy information and chosen the level of cover which suits your needs, it will only take you a few minutes to enter:

  • name and date of birth of each person to be covered
  • address and contact telephone number
  • payment details

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What do I need to buy a Simplyhealth plan online?

You will need the bank sort code and account number of the bank which your direct debits will be taken from.

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Can I save my quote and come back to it later?

Yes you can save your quote online for a later date. The quote will be emailed to you including your online reference number and policy details.

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What is a web application number?

Once completing your online application, you may be given a web application number which will start WEB followed by six numbers, whilst we process your application. This is not your policy number; we will send you this separately once your application has been accepted.

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Is it safe to buy online?

Yes, our websites are on secure servers and data is encrypted using Secure Socket Layer by Quovadis.

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When does my cover start?

Cover under the policy is monthly and starts from your registration date. You have a 14 day cooling off period after you join so if you are not entirely happy you can cancel the policy without paying your first monthly premium.

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Administering your policy / Miscellaneous

Is a cash plan the same as private medical insurance?

No, a cash plan offers money back on everyday healthcare bills, like trips to the optician, dentist or physiotherapist, up to annual limits. Traditional private medical insurance gives you more comprehensive cover for medical conditions and can include consultations, diagnosis and surgery.

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Can I add my partner or children to my plan?

Providing they permanently live with you, you can add up to four of your children or your partner's children up to the age of 18 to your policy, free of charge.

You can add your resident partner for an additional premium as long as they are 79 or under. 

To add people to your policy, simply call our Customer Services team on 0370 908 3481*.

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Can I cover my parents or siblings on my plan?

No, parents and siblings would need to take out a plan in their own right. You can only cover yourself, partner or spouse and up to four children on your plan.

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Can I increase my cover level?

You can increase your cover level once a year, up to the age of 79, but you must stay at that level for a minimum of 12 months before being able to change it again.

Find out more about different levels of cover.

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Can I reduce my cover level?

Provided you're covered by Level 2 or above, you can reduce your cover level at any time, as long as you've been at your current level for at least 12 months.

Find out about different levels of cover.

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Can I cancel my plan at anytime?

The plan is a monthly rolling contract, so you can cancel it at anytime with one months notice.

If your plan no longer suits your needs please give our friendly Customer Options team a call. The team is available on 0300 100 1105* Monday to Friday 8am to 8pm and on Saturdays from 9am to 5pm. They're always happy to help.

More information about cancelling your plan can be found in your terms and conditions.

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How do I make a complaint?

We aim to provide you with the very highest levels of customer service and care at all times. To maintain this service standard, we have a procedure you can use to raise any concern, complaint or recommendation you have by contacting Customer Services on 0370 908 3481* or writing to Simplyhealth Customer Services, at our registered office address of Hambleden House, Waterloo Court, Andover, Hampshire SP10 1LQ.

We will investigate any complaint and issue a final response. If you are not satisfied with our response, or we have not replied within eight weeks, you have the right to refer your complaint to:

Financial Ombudsman Service
Exchange Tower
E14 9SR

Telephone: 0800 023 4567 or 0300 123 9123 *

Email: [email protected]


The Financial Ombudsman Service will only consider your complaint if you have given us the opportunity to resolve the matter first. Making a complaint to the Ombudsman will not affect any legal rights that you may have. We will send you full details of our complaints procedure if you ask us for them.

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Your benefits

Can I pick and choose the benefits to suit my needs?

It is a set plan so you are covered for all of the benefits listed and you can't add or take anything away. Some additional benefits are available on level 2 and above which maybe better suited to your needs.

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Does a Simply Cash Plan cover Denplan premiums?

The Simply Cash Plan dental benefit will only cover dental treatment. Dental practice plan payments and dental insurance premiums are not covered.

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Are pre-existing conditions covered?

The great thing about Simplyhealth is that you can start claiming straight away (excluding New Child Payment which has a 12 month qualifying period), even if you already need treatment when you join.

However, you cannot claim for pre-existing conditions under hospital cover for the first 12 months. 

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Are X-rays and scans covered?

X-rays and scans are not covered by your Simply Cash Plan.

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Are tests covered under the diagnostic consultation benefit?

The purpose of the diagnostic consultation benefit is to find or to help to find the cause of your symptoms and includes blood tests or visual field tests directly connected to a diagnostic consultation. The benefit also includes allergy tests performed by a GP or consultant however not tests or advice about nutrition or food intolerance.

Please refer to your Policy document Part 1 for full details of what is and isn't covered.

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Which complementary therapies are covered by a Simply Cash Plan?

Your Simply Cash Plan provides cover towards physiotherapy, osteopathy, chiropractic, acupuncture or homeopathy treatment, up to your agreed annual limit.

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When do my annual benefits start and end?

Your annual benefits commence from your policy start date and begin again on the same day every year. New child payment is subject to a 12-month qualifying period. Please refer to your Simply Cash Plan Policy Document for further details.

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Can I carry over my unused benefits into next year?

No, your benefits run for a 12 month period from the start date of your plan and refresh on the anniversary of your registration date.

We will only pay claims from the entitlement available in the claiming year in which you:

  • receive the treatment or service that you are claiming for
  • have a baby or adopt a child
  • are admitted to and/or discharged from hospital

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Claims & claiming

Can I claim on my Simply Cash Plan as well as any other health insurance I may have?

Yes, providing the total reimbursement does not exceed the value of the costs you have incurred. Please read your terms and conditions for further information about your cover.

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What do I need to make a claim?

To make a claim on your Simply Cash Plan, you'll need:

  1. A fully completed claim form. If you've lost the last one we sent you but have registered for an online account, you can log in and request one with a single click. Alternatively, request a claim form here.
  2. The original supporting documentation (for example an original receipt - we do not accept copies) that together should leave us in no doubt about:
    1. the name of the patient
    2. the details of the practitioner or establishment and the service or treatment that they
    3. have provided
    4. the date of the service or treatment and
    5. the amount paid for that service or treatment

If you're submitting a hospital claim send your claim form and a copy of your discharge letter as evidence of your admission. If you do not have your discharge letter you can get the hospital cover section of the claim form stamped and signed by a doctor, nurse, or medical record department from the hospital where you were a patient.

If you're making a New child payment claim we may ask you for supporting documents, for example a birth or stillbirth certificate, or adoption papers.

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How do I claim for contact lenses?

You need to get printed confirmation from your optician of the amount you've paid for your contact lenses. Claims for contact lenses must be received within six months of the date of purchase, with a receipt.

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Why do I have to pay the hospital a fee for completing my claim form?

Some hospitals charge for the completion of claim forms.  To avoid this charge you can send us the original discharge letter which the hospital is legally obliged to give you.

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How do I claim for new child payment?

You need to complete and submit a claim form, which must be accompanied by a copy of your child's birth certificate.  

If you're not sure about anything, please call us on 0370 908 3476* - we're always happy to help.

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My claims are currently being paid by cheque. Can they be paid straight into my bank account?

Yes, to make life easier for you, we can pay your claims straight into your bank account. All you need to do is register for an online account and under your selected health plan, complete the bank and payment details form and we'll do the rest.

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How long does it take to process a claim?

Provided you've completed the claim form, the majority of valid claims are processed and paid usually within a few days of receipt.

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When can I claim?

You can claim immediately. Simply complete a claim form or request one by calling us on 0370 9008 3481*. The only exceptions are the new child payment which has a 12-month qualifying period and hospital cover for any pre-existing conditions during the first 12 months. Please refer to section 2 of the policy document - part 1.

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What if you have printed my details incorrectly on my claim form?

If any of your pre-printed details on the claim form are incorrect, please update them clearly in blue or black pen before sending the form back to us.

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Where can I get more information or additional help when making a claim?

If you have any queries, please call Simplyhealth customer services on 0370 908 3476* who will be pleased to help you.

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How are my claims paid?

To make life easier for you, Simplyhealth provides a service which pays your money directly into your bank account sending you confirmation in the post or by email. You will need to provide us with your bank account details if you haven't done so already.

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Contact us

Contact us or call customer services

Simply Cash Plan:

0370 908 3481

Simply Dental Plan:

0370 908 3476

Mon to Fri: 8am to 8pm (excl Bank Holidays)
Sat: 8am to 5pm
Simply Cash Plan

View the Simply Cash Plan price options online today

  Get a quote for the Simply Cash Plan

Where should I send my completed claim form?

Alan Child House
Borden Gates
SP10 2RT