Medical cash plan

Recommended by Martin Lewis' Money Saving Expert website, the Medical Cash Plan is a straightforward product that helps you to cover the cost of everyday health expenses like dental check-ups, eye tests and alternative therapy sessions. It's simple to use and “does what it says on the tin”. You can apply for a Medical Cash Plan by completing and returning our application form, or if you’d like to speak to one of our advisers about the plan, click on the Contact us button and we’ll get back to you as soon as possible. We've also produced a simple and free guide that you can download – all documents and links can be found below.
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About the Medical Cash Plan

Cash plans have been around for many years, and are especially popular at the moment given the rising costs of dental treatments, eye tests, specialist consultations and alternative therapies. And with healthcare costs expected to continue to rise, now really is a great time to consider taking out a health cash plan.

So how do they work? Generally, they focus on a particular area of healthcare, like dental or optical cover. They normally have a choice of benefit levels offering different amounts of cover. The higher the level, the more cover you get, and so the higher the premium.

You can find more information about healthcare cash plans on Martin Lewis’ Money Saving Expert website, who have kindly recommended our Medical Cash Plan as one of their ‘top picks’.

With the Medical Cash Plan, you choose the level of benefit you need, pay the monthly premium relating to your level of cover, and in return you claim cash back up to the maximum amount you’re covered for, once you’ve had your treatment.

We offer more comprehensive plans than just dental or optical policies. That’s because our plans give you added security and peace of mind. Why take out a dental plan when you can take out a policy that protects you for so much more?

Our Medical Cash Plan gives you four levels of cover (Bronze, Silver, Gold and Platinum) for a whole range of everyday healthcare costs including dental, optical, physiotherapy, osteopathy, homeopathy and specialist consultations (including PET, CT and MRI scans).

Download our guide or take a look at the details below and let us help you to get covered today.

Medical Cash Plan guide cover

Take out a Medical Cash Plan today

To apply for a Medical Cash Plan, please download and read the Policy Document, Insurance Product Information Document and About our Insurance Services documents below. Then, complete the application form and return it to us at newbusinessenquiries@hiveinsure.co.uk

How long does it take?

Once we have your completed form, we’ll process your application and your policy documents will be with you within 2/3 days.

Plan highlights

The Medical Cash Plan is a simple health plan that will cover your routine healthcare expenses up to the amount of cover you choose.

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7 cash benefits included

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Free children cover

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4 levels of cover to suit different budgets

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Option to include fracture cash benefits

I put in a claim in beginning of October and they sorted it out very quickly and I’m with them good few years never had any complaints thank you.

Jacqueline McHugh 
Jacqueline McHugh

Excellent service, claim handled quickly & efficiently. A refreshing change.

Anonymous 
Anonymous

Great service as always.

Deborah 
Deborah

Friendly company, fast response, I am satisfied with the services and contact.

Anna 
Anna

Happy with my insurance had a accident and with in a week got sorted Very helpful

Anonymous 
Anonymous

I would definitely recommend these guys. They make everything so easy and straight forward to understand.

Sarah Tanner Art 
Sarah Tanner Art

Great company. Friendly customer service compared to many other insurance companies, online chat was very helpful and apply online service was fantastic!! Highly recommend!!

Kirsty Daniel 
Kirsty Daniel

Really happy with the service. The team led me to a great package for my health insurance for my family and the renewals process was really easy. Would reccomend!

Paul Norton 
Paul Norton

Extremely efficient company to deal with, totally satisfied with Lynsey who always answered any query I had with accurate information. Would not hesitate to recommend them.

Andrew 
Andrew

What's included?

Whenever you’ve received any of the medical services below, simply send us valid proof. You’ll get money back to cover the amount you have incurred – up to the benefit limit.

With the medical cash plan there are 4 levels of cover to choose from – Bronze, Silver, Gold or Platinum. Each level of cover provides a wide range of cash benefits to protect you against healthcare costs.

What you receiveBronzeSilverGoldPlatinumWaiting Period
Dental
Routine check-ups and treatment
£70 (per year)£140 (per year)£210 (per year)£280 (per year)Immediate
Dental accident£140
(per year)
£280
(per year)
£420
(per year)
£560
(per year)
Immediate
Optical
Sight tests, prescription glasses and contact lenses
£70
(per year)
£140
(per year)
£210
(per year)
£280
(per year)
Immediate
Therapies
Physiotherapy, osteopathy, chiropractic, acupuncture and homeopathy
£150
(per year)
£300
(per year)
£450
(per year)
£600
(per year)
Immediate
Specialist consultations and diagnostic tests*
With a specialist physician or surgeon. Tests include PET, CT and MRI scans
£125
(per year)
£250
(per year)
£375
(per year)
£500
(per year)
Immediate
Hospital admission*
As an in-patient or day-patient
£17.50
(per day/night)
£35
(per day/night)
£52.50
(per day/night)
£70
(per day/night)
Immediate
Paternity/maternity
As an in-patient or day-patient
£100
(per child)
£200
(per child)
£300
(per child)
£400
(per child)
10 months
*GP / Specialist referral needed
Please refer to the Policy Document for a full list of benefits. No benefit will be paid in respect of treatment commenced prior to the start date of the policy, irrespective of the future duration of that course of treatment.

Cover your children for free!

Up to four children aged 0-18 can be covered at no additional charge, sharing the same benefit limits as the main policyholder.

Add fracture cash cover to your plan

You can choose the optional fracture benefits bolt-on for your plan – paying £350 per fracture

Leg (femur, tibia and fibula), vertebral body, pelvis, skull, vertebra, lower jaw, breastbone (sternum), shoulder blade (scapula), kneecap (patella), clavicle (collar bone), arm (humerus, radius and ulna), ankle, wrist, hand*, foot*, coccyx, rib(s), nose. * Excludes all fingers and toes.

Fracture cover does not start until day 16 of your policy. Please refer to the Policy Document for a full list of benefits.

Medical Cash Plan (SYM)

What's not included?

These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.

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Pre-existing medical conditions (not applicable to dental or optical benefits)

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Alcoholism, alcohol, drug, substance abuse and other addictive conditions

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Chronic and long-term medical conditions (not applicable to dental or optical benefits)

These are some of the key fracture benefit exclusions

We will not pay benefit for any accident that is directly or indirectly caused by the following:

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Any form of motorsports

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Rock climbing or mountaineering of any type

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Competing in any race other than on foot or whilst swimming

FAQs

Are there any waiting periods or excesses to pay?
Waiting periods will apply on selected benefits. Please refer to the Policy Document for full information. No excesses are payable on this plan.
Who is eligible for this plan?
You must be:

  • Between the ages of 16 and 69 inclusive
  • Resident in the UK, Isle of Man or Channel Islands
Pre-existing Medical Conditions Clause
All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded – unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. (Not applicable to dental or optical benefits).
Who underwrites the plan?
BHSF

BHSF underwrite and process claims for our Medical Cash Plan. They were established in 1873 and are a market-leading provider of health cash plan services, currently insuring around 400,000 individuals.

How do I make a claim?

In your welcome pack there will be instructions on how to gain access to our claims portal where you can make a claim online quickly and without fuss. You will be asked to upload some supporting documents that may include items such as an original receipt showing that an expense has been incurred, or a letter from the hospital, doctor or specialist showing that a medical treatment/service has been used. Any benefit due will be paid directly into your bank account.

Get in touch

From death and serious illness, through to accidents and help with everyday medical bills, we help to provide peace of mind and we’re here when you need us most. Here’s how to get in touch.

HQ

The Hive, Almondsbury Business Centre, Woodlands, Bradley Stoke, Bristol, BS32 4QH

0800 028 0849

Lines are open 9am-3pm Monday to Friday (excluding public holidays). Calls are recorded and kept for training, monitoring and regulatory purposes

Email

You can contact us directly by emailing enquiries@hiveinsure.co.uk

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