What is the difference between a health cash plan and private medical insurance?

Private medical insurance provides treatment for unexpected, more expensive health issues. Whereas cash plans help you to budget for your everyday healthcare costs and can help prevent more serious health issues from arising. 

Even the most affordable private medical insurance scheme will cost several hundred pounds a year more than a health cash plan, which can start from around just £10 a month. The price of a cash plan is also not affected by your age, unlike private medical insurance where this is a factor used to decide your premium.

What does a cash plan cover?

Cash plans help you budget for the cost of visiting the dentist, optician, physiotherapist and a number of other healthcare professionals. You pay a monthly premium, and then claim back the cost of those visits, up to your annual payment limits. Plus, you don't need a GP referral so you can be seen straight away.


Eye tests, prescription glasses, contact lenses and prescription sunglasses

Check-ups and treatments including crowns, bridges and fillings as well as hygienist fees

Complementary therapies
Physiotherapy, osteopathy, chiropractic, acupuncture and homeopathy treatments

Chiropody / Podiatry
Treatments for your feet


Other benefits may also be available, depending on which cash plan you choose.

If a health cash plan sounds right for you, find out more about our Simply Cash Plan which has 4 levels of cover to choose from, starting from just £11.88 per month.

What does private medical insurance cover?

Private medical insurance covers the cost of diagnosing and treating a variety of illnesses, allowing you to be treated privately and under certain policies, at the hospital you choose.

If you're feeling unwell, you can have your illness diagnosed quickly. You should see your GP and contact your private medical insurance provider, and they will arrange a referral if required.

This includes tests such as x-rays, blood tests and scans.

If you've been diagnosed with an illness, private medical insurance can ensure that you receive the necessary treatment to get better.

This could include surgery, drugs
and psychiatric treatments.

Some policies will cover heart conditions and cancer under treatment, on others this may be a separate module.

Depending on the type of policy you buy, pre-existing medical conditions may not be covered and other exclusions may apply.

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