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Health Cash Plan

What is it?

With rising healthcare costs, the health cash plan from Engage Mutual is a simple way to help with the expense of those everyday health treatments by giving you money back.

  • claim money back on dental, optical and physiotherapy costs. Benefit limits and periods apply

  • cover from just £10 a month

  • life cover as part of your health cash plan – up to £2,000 for your family at a difficult time. Please be aware that life cover applies only after your plan has been open for 2 years

  • personal accident cover included with your plan

  • claim money back whether you're treated as a private or NHS patient

  • £50 per year to help out with your children’s dental and optical costs - at no extra cost. This is shared between all eligible children.

  • easy to apply and easy to claim. Once you’ve paid for treatment you complete a simple form and claim money back.

 

Did you know?

We've teamed up with a range of trusted providers to offer you a little extra support when you need it most. When you buy a Health Cash Plan you'll have access to our additional services, including...

 

Apply online

 

What does it offer?

If you’ve recently had a dental check up, a new pair of glasses or a private treatment like physiotherapy, you’ll know how expensive looking after your health can be. If you’ve got children, the costs can pile up even quicker.

Because we know 59%* of all claims made on health cash plans are for optical, dental and physiotherapy treatments, our health cash plan provides money back on these everyday healthcare costs, rather than a long list of other treatments.

*Laing Buisson, Health and Care Cover UK Market Report 2009

 

Pay from £10 a month and you could claim up to £450 cashback

By paying an affordable monthly premium, you’ll be covered for things that could crop up at any time – like a new pair of specs or an emergency filling, as long as you claim within the benefit period. Make the most of your cover and you could claim up to £450 cashback.

You can also arrange cover for your partner, and if you take out a Health Cash Plan from Engage Mutual, any of your children aged under 17 can be covered at no extra cost to help out with their dental and optical costs. Simply enter the details of anyone you wish to take out a plan for when you fill out your application  Please see the cover levels section for details of how much you can claim back for your children.

Our affordable health cash plan comes with three levels of cover – everyday, deluxe and superior - so you can decide which is the one that best meets your needs.There are different limits on how much money you can claim back, depending on which level of cover you choose – take a look at the cover levels section to see how much you could claim. Benefit limits and periods apply. You can also apply online today.

 
Cover for everyday healthcare treatments

Our Health Cash Plan covers a range of everyday healthcare treatments from regular things like dental checkups and opticians’ costs to certain complementary therapies, whether you’re treated privately or by the NHS.

With your health cash plan you’ll also get money back for a range of other treatments and eventualities, including:

  • cover for physiotherapy, osteopathy and various other treatments – up to 100% of receipt value for these treatments.

Your plan also includes the following at no extra cost:

  • personal accident cover, including cover for dental trauma and broken bones

  • life cover - up to £2,000. Please note that life cover applies only after your plan has been open for 2 years.

Please see our benefit rules for more details.

 
We guarantee to accept you without a medical

If you’re aged 17-65 and living in the UK we guarantee to accept you without the need for a medical. Although with the exception of optical and dental treatments, you’re not covered for any pre-existing conditions.

Simple and straightforward

Once you have received treatment and paid for it, you simply complete our straightforward claim form and send it to us along with the receipt within 13 weeks of the date on your receipt. You can find more information on claiming in the 'How to claim' section, or in the benefit rules.

 

The difference between our Health Cash Plan and PMI

Private medical insurance (PMI) pays out on the costs associated with a hospital stay, various medical treatments and procedures as well as therapies. It is designed to give you a greater choice of when and where you have your treatment.                                               

A health cash plan on the other hand, provides money back on everyday health care treatments – including dentists’ and opticians’ costs – regardless of whether they're provided privately or by the NHS. It isn’t intended to fund the full cost of treatment, just to help you out with everyday healthcare bills. The two types of cover can easily complement each other – they're not the same thing at all.

Choosing your health cash plan cover

Choosing the level of health cash plan cover that suits you is really easy. The table below shows you how much cover each of our plan options provides – just choose the one that suits you best.

For full details of the benefit periods and what is and what isn't covered, download the Health Cash Plan brochure  which contains the Benefit Rules & Tables.

If you have children, they’re covered for dental and optical treatments by your plan at no extra cost. The benefit amounts for dependent children are shared between all eligible children.

 

Type of health treatment or cover

Cash back amount

Everyday

£10 a month

Deluxe

£14 a month 

Superior

£18 a month 

Optical cover*

100% per year

up to £100

up to £150

up to £200

Dental cover*

100% per year

up to £100

up to £150

up to £200

Complementary therapies*

100% per year

up to £250

up to £375

up to £500

Life cover*

n/a

£1,000

£1,500

£2,000

Personal accident cover (worldwide)

n/a

up to £10,000

up to £15,000

up to £20,000

Accidental death (worldwide)

lump sum

£10,000

£15,000

£20,000

 * All benefits are available for treatments incurred anywhere within the European Community when travelling for business/pleasure purposes up to 28 days.

You don't need to purchase a separate plan for your children. They have their own limited dental and optical entitlement.

The benefit amounts for dependent children are shared between all eligible children.

Child cover

Cash back amount

Cash back for dependent children

Optical cover

100% per year

up to £50

Dental cover

100% per year

up to £50

Frequently asked questions

If you’ve got a question about our health cash plan the answer is probably in the FAQs below. Simply click on a question to display the answer.

If you have any questions that are not answered here, please contact us.

You are eligible to apply for cover if you are aged 17–65, and a permanent resident of the UK..

Yes, you can arrange cover for your partner. If you take out a health cash plan from Engage Mutual, any of your children aged under 17 can be covered at no extra cost to help out with their dental and optical costs. Please see the cover levels section for details of how much you can claim back for your children.

Simply enter the details of anyone you wish to take out a plan for when you fill out your application. Click here to apply online.

No. If you’re aged 17-65 and living in the UK we guarantee to accept you without the need for a medical. Although you’re not covered for any pre-existing conditions, you will be covered for optical and dental treatments.

Yes, you have the right to cancel at any time. You also have a 28 day cooling off period that starts from when we accept your application. If you change your mind during this time, providing that you have not made a claim, we will refund any premiums paid.

No, we do not increase premiums because you get older. If you have any children on your plan, when they reach 17 years of age they must transfer to an adult plan and adult premiums and benefits will apply.

Private medical insurance (PMI) pays out on the costs associated with a hospital stay, various medical treatments and procedures as well as therapies. It is designed to give you a greater choice of when and where you have your treatment.

A health cash plan on the other hand, provides money back on everyday health care treatments – including dentists’ and opticians’ costs – regardless of whether they're provided privately or by the NHS. It isn’t intended to fund the full cost of treatment, just to help you out with everyday healthcare bills. The two types of cover can easily complement each other – they're not the same thing at all.

If you would like to join the engage health cash plan simply complete our online application form. If you would like any help completing the form, call our Customer Services Team on 0800 988 2128– they will be happy to help you.

You will not be able to claim for any illness or conditions that existed before you applied for the plan. This does not apply to Optical or Dental benefits.

The health cash plan from Engage Mutual covers a range of everyday health treatments from regular things like dental checkups and opticians’ costs to certain complementary therapies, whether you’re treated privately or by the NHS.

With your health cash plan you’ll also get money back for a range of other treatments and eventualities, including:

  • cover for physiotherapy, osteopathy and various other treatments – up to 100% of receipt value for these treatments.

Your plan also gives you:

  • personal accident cover, including cover for dental trauma and broken bones

  • life cover - up to £2,000. Please note that life cover applies only after your plan has been open for 2 years.

Please see our benefit rules for more details.

No. It excludes any injuries sustained as a result of participating in professional or semi professional sports.

Yes. Your health cash plan includes personal accident cover provided by a third party insurer. Cover applies to customers over the age of 17 and the amount of cover you receive is determined by the level of your health cash plan cover. For more information on personal accident cover see our cover levels page.

No. Life cover is included as part of your plan at no extra cost. Depending on the level of plan you choose, it provides up to £2,000 for your family at a difficult time. Please be aware that life cover applies only after your plan has been open for 2 years.

Making a claim is simple. Just ask for a receipt from your practitioner after you have received and paid for your treatment. Fill in a claim form and send it to us together with your receipt or any other required supporting information. We normally pay claims directly into your bank account. Claims must be received by us within 13 weeks of the date on the receipt.

Useful documents

To get further details on our health cash plan, please download the useful documents below.

To view these documents you will need to have Adobe Reader installed. If you don't already have it you can download it for free from the Adobe Reader Website.

  • pdf
  • Claim Form (pre June 2010) [pdf / 146KB] Use this form if you wish to make a claim on your Health Cash Plan and you took out your plan before June 2010. This means you have any of our products other than our Everyday, Deluxe and Superior products.

How to make a claim with our health cash plan

If you need to make a claim on your health cash plan for dentists’ fees, opticians’ fees or any other treatments covered by your plan, you can rely on us to act quickly. Our friendly, polite team are always on hand to help and there are no complicated forms to wrestle with.

Claims are submitted using one of our simple claims forms. You can download a claim form from our useful documents page or call us on 0800 988 2128.

All claims, with the exception of personal accident cover and life cover, must be submitted within 13 weeks of the date on the receipt. Your original receipt must show your full name and address details. Photocopies, faxes, credit card vouchers and till receipts are not accepted.

Claims for personal accident cover must be submitted within 3 months of the incident.

Claims for life cover must be supported with an original or certified copy of the death certificate.   

Receiving payment for your health cash plan claim

We normally pay your claim directly into your bank account, so you can access your money quickly and easily with no hassle. If there’s anything else you need, please call our Customer Services Team on 0800 988 2128, they’ll be more than happy to help.

Quick links

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Our application process is quick and easy - it only takes 5 minutes.

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Call us

You can speak to us directly any time from Mon-Fri 8am-8pm, or 9am-4pm Sat.

Contact Us

0800 988 2128

How much could you claim?

We've created a handy tool so that you can see how much of your healthcare expenses could be claimed back on our Health Cash Plan.

Annuity Service

Another benefit for you...

If you are a customer you can also apply to receive funding from the Engage Foundation.

We've put aside £1m over 5 years exclusively for our customers to help make things better. So whether you want to give your family a helping hand or support a larger community project, we're here to help.

find out more ►

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