Simply Cash Plan

Your clients' questions answered

We've answered some common questions your client may have about the Simply Cash Plan for individuals with regards to:

  • Administering their policy
  • Your clients' benefits
  • Claims and claiming

If you do not currently have a policy with us and your question isn't answered here, please contact us on 0800 294 7303.

Administering your policy


Claims and claiming

Administering your policy

Is a cash plan the same as health 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 health insurance gives your client more comprehensive cover for medical conditions and can include consultations, diagnosis and surgery.

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Can my client cancel their plan at anytime?

The plan is a monthly rolling contract, so your client can cancel their plan at anytime with one months notice. Simplyhealth may refuse applications to rejoin for up to three years after cancellation.

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How can my client make a complaint?

We continually strive to provide the best possible service to our customers. A vital part of that is customer feedback, because we need to know how we can improve what we do.

You or your client can submit a feedback form, write to us at Simplyhealth Customer Services, Hambleden House, Waterloo Court, Andover, Hampshire SP10 1LQ.

If you or your client are unhappy with the response you receive, then we will refer your complaint to the Simplyhealth Group Quality Assurance team for a final decision.  If you are not satisfied with our response, or we have not replied within 8 weeks, you have the right to refer your complaint to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Or you can call them on 0845 080 1800.

You can also look at our complaints process.

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Can my client pick and choose the benefits to suit their needs?

It is a set plan so your client is covered for all of the benefits listed and you can't add or take anything away.

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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 premiums and dental insurance premiums are not covered.

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Are existing conditions covered?

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

However, your client cannot claim for hospital cover if they have received, or are awaiting, treatment as a hospital in-patient or day-case prior to joining.

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When do the annual benefits start and end?

Your clients' annual benefits commence from the policy start date and begin again on the same day every year. New child payment is subject to a 12-month qualifying period. Any unused benefits will not be carried over to the next claiming year. Please refer your client to their Simply Cash Plan Policy Document for further details if they have arranged for you to send them, otherwise they are available when they register online.

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Claims and claiming

Can my client claim on their Simply Cash Plan as well as any other private medical insurance they may have?

Your client can claim up to the value of the excess of their private medical insurance policy using their Simply Cash Plan, but not make a profit in doing so. 

For example, if they've made a claim with a private medical insurance provider and the excess for their policy is £50, they are not able to make a claim on their Simply Cash Plan for anything more than £50.

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What does my client need to make a claim?

To make a claim on their Simply Cash Plan, your client will need:

  1. A fully completed claim form. If they've lost the last one we sent but they have registered for an online account, they can log in and request one with a single click.
  2. The original receipts and/or bills for the treatment they're claiming for. They must be on official headed paper, and show the full name of the patient. They must also show the name, address and qualifications of the person who treated them, details of the treatment and the amount paid for the treatment.

If they are submitting a hospital claim, the appropriate section of the claim form needs to be completed, stamped and endorsed by the relevant hospital authorities.

If they are making a new child payment claim, we need to see a copy of the birth certificate.

For further details of how to claim, refer your client to the Terms and Conditions in section 5 of their Simply Cash Plan policy document if they have arranged for you to send them, and/or check out our how to claim guide.

If you or your client have any queries, call our customer services team on 0370 908 3481 - we're always happy to help.

*Calls to 03 numbers are no more expensive than calling numbers starting with 01 or 02 and are included in free call packages from landlines and mobiles.

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How long does it take to process a claim?

Provided your client has completed the claim form, we aim to pay the majority of valid claims within two working days of receipt.

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How are claims paid?

To make life easier for your client, Simplyhealth provides a service which pays claim money directly into their bank account via direct credit, sending them confirmation in the post.

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Need help?

If you would like more information please contact us on:

0330 1025 337

Mon to Fri: 9am to 5pm.

Looking to work with Simplyhealth?

You can register as an intermediary by visiting our intermediary registration page.