With healthcare costs rising every year, you may be finding yourself looking for ways to manage medical expenses without breaking the bank. Enter the health cashplan – a practical, affordable solution to everyday healthcare needs.
The average person spends £3,268 a year on prescriptions, dental, optical, physiotherapy, and other routine healthcare services. With a cashplan, you can claim up to 100% of this back (up to policy limits)!
What is a cashplan?
Designed to make healthcare more affordable by helping you manage the smaller, ongoing costs, a cashplan is a service where, for a fixed monthly premium, you can claim back a portion of the money you spend on eligible treatments.
One of the best things about a cash plan is the predictable cost. With set annual limits, you’ll know exactly what you can claim, and avoid being hit with unexpected bills. It’s a manageable way to budget for healthcare, without the risk of spiralling expenses, especially in the face of the ongoing cost of living crisis.
Bypass the NHS Waitlist
We all know that waiting for NHS appointments and referrals such as dental, optical, and physiotherapy can take much longer than we’d like. With a cashplan, you can get the appointments you need faster by visiting a private clinic and claiming a portion of the money back from the cashplan provider. Whether it’s a routine eye test or a much-needed physio session, you won’t be left hanging for months.
A closer look at the cashplans available on Heka
We’re proud to offer cashplans directly using your Heka allowance each month. Our partner, UK Healthcare, offers four levels of coverage to choose from, depending on your needs, with the lowest tier costing just £9 per month! Higher tiers, while having higher premiums, will give you access to both more coverage and higher annual limits.
While many cashplans require you to have a period where you're paying for the cashplan but you're unable to make a claim (three months is standard), UK Healthcare doesn't have this eligibility period, so once your plan has activated you can make a claim from day one!
What’s included
While the claim amounts vary by plan, the following is included in most policies:
Dental treatments – dentist check-ups, fillings, hygienist fees, X-Rays and dentures
Optical – routine eye tests as well as prescription glasses or contact lenses
Wellness – access to physiotherapy, osteopathy, chiropractic, and acupuncture with registered practitioners
Complementary Therapies – cover for treatments with registered practitioners following a GP referral for homeopathy, reflexology, and aromatherapy
Hospital In-Patient – a daily and nightly allowance for NHS or private hospital admission
Prescriptions – claim back a portion of the cost of eligible medications
How is it different from private medical insurance (PMI)?
A cash plan and private medical insurance (PMI) both offer healthcare benefits, but they differ significantly in terms of coverage, cost, and the type of services they provide.
PMI typically covers a wide range of medical treatments, including hospital stays, surgeries, specialist consultations, and sometimes even diagnostics and long-term care. It’s a more comprehensive plan, as it covers more major illness and hospital treatments.
Cashplans on the other hand are more for your day-to-day healthcare costs such as dental check-ups, eye tests and glasses, physiotherapy, and sometimes chiropractic or alternative therapies. You’ll get up to 100% cashback (up to policy limits) by providing your receipts.
For further details
Please click here to review what’s included in each tier, and see here for answers to frequently asked questions. We also recommend reading through the policy terms. All UK Healthcare policies purchased before the 25th of the month will be declared for an activation date of the 1st of the following month.
