Health Cash Plans
uniquely costed and designed for those working in the education sector and their families

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Health4All – Direct Debit health cash plan

Introducing the Health4All Direct Debit health cash plan

A health cash plan is an excellent way to manage the cost of your everyday healthcare; pay a small monthly premium and you can claim cashback on dental, optical and therapy treatments, plus much more.

Everyday healthcare

If you have dental check-ups or wear glasses or contact lenses, you can claim cashback towards their cost. The plan also covers a range of therapy treatments, including osteopathy, physiotherapy and chiropody, plus much more. See page 5 for the full list of benefits available.

Health worries

You don’t need to be ill to benefit from a health cash plan, but if you do have an unexpected illness, you can claim towards the costs associated with a diagnostic consultation (when referred by your own GP), or receive a cash payment for each night you spend in hospital or per day-case surgery undertaken (Silver cover and above).

Things you need to know…

  • Anyone aged 16 or over, who normally resides in the United Kingdom, can apply. Personal and family cover – children can be covered on a family plan until their 18th birthday. We reserve the right to decline cover
  • No medical required
  • We authorise payment of 90% of eligible claims within two working days of receipt
  • Premiums payable through convenient Direct Debit
  • Start claiming 13 weeks from the start date of your policy. For maternity/paternity payment, you will need to wait 10 months from the policy start date and if you have an existing health condition, you will have to wait two years before you are covered for hospital in-patient claims for the same or a related health condition. Telephone helplines can be accessed from the start date of your policy.

Whats covered, and more

This includes

  • Table of cover for each Level you can choose
  • Pricing guide
  • Exclusions and limitations
  • Policy terms and conditions

Please open the PDF policy overview document to read more.

What is a health cash plan?
The plan pays you cash towards your everyday healthcare costs, such as dental check-ups and treatment, eyesight tests, new glasses and contact lenses, diagnostic health consultations and therapy treatments, plus many more benefits.

Is a health cash plan the same as private medical insurance?
No, private medical insurance pays for treatment and operations performed privately. A health cash plan is a healthcare plan which complements the NHS by reimbursing bills for everyday healthcare treatments and also paying lump-sum payments for hospital in-patient stays and recuperation.

Who is eligible for this plan?
Applications are accepted from anyone aged 17 or over at the time of application who normally resides in the United Kingdom. Children can be covered on a family policy until their 18th birthday.

How do I apply?
Choose which level of cover best suits your needs, and complete an application form. You should return your application to: BHSF Limited, Gamgee House, 2 Darnley Road, Birmingham, B16 8TE.

You can apply for a health cash plan online or alternatively call our helpdesk on 0800 622 552 to request a hard copy application form through the post.

How will I know if I have been accepted?
You will be sent a welcome pack containing your policy and full information.

When do I qualify for health cash plan benefit?
You will be eligible to claim 13 weeks from the start date shown on your policy with the exception of maternity benefit, which carries a 10 month qualifying period.

What if I have a pre-existing medical condition?
You will not be able to make hospital-related claims which are connected to that problem for two years. However, you will be covered for all other benefits and hospital claims if they are not related.

Is it easy to claim?
Yes. Simply pay your bill, complete your claim form and send it to BHSF with the original receipt, and subject to policy terms we will reimburse you up to your maximum benefit limit. Benefits are paid directly to you by credit transfer to your bank account or alternatively by cheque sent to your home address.

Can I upgrade to a higher level of cover later?
Yes. You should review your cover periodically to ensure it remains adequate. If you wish to do so, you can apply to upgrade your level of cover.

What professional therapy registers are recognised by BHSF?
Please check your policy terms carefully to see which therapy benefits are covered. If you would like further information about finding a registered practitioner, you may wish to contact one of the following organisations:

Osteopathy General Osteopathic Council
Chiropractic General Chiropractic Council
Physiotherapy Health & Care Professions Council
Chiropody Health & Care Professions Council
Hearing Aids Health & Care Professions Council
Acupuncture British Medical Acupuncture Society
British Acupuncture Council
Acupuncture Association of Chartered Physiotherapists
British Academy of Western Medical Acupuncture
Chinese Medical Institute and Register
Homeopathy Homeopathic Medical Association
Society of Homeopaths
Alliance of Registered Homeopaths
Faculty of Homeopathy
Federation of Holistic Therapists
Reflexology Association of Reflexologists
British Reflexology Association
Association of Reflexologists
British Reflexology Association
International Institute of Reflexology registered
International Federation of Reflexologists
Complementary and Natural Healthcare Council registered
The Federation of Holistic Therapists

Health4All Cash Plans

Plans start from as little as £5.78/mth*

Dental

Claim cash back towards dental check-ups and more.

Optical

Claim cash back towards the cost of glasses, contact lenses, or check-ups.

Therapy

Covers a range of therapy treatments, including osteopathy, physiotherapy and chiropody, plus much more.

Unexpected Illness

You don’t need to be ill to benefit from a health cash plan, but if you do have an unexpected illness, you can claim towards the costs associated with a diagnostic consultation (when referred by your own GP), or receive a cash payment for each night you spend in hospital or per day-case surgery undertaken (Silver cover and above).


Interested? Call for a Quote

Ask Eduhealth about health cash plans by calling us on 0345 226 9938.

We are open 9am - 5pm Monday to Friday.

Eduhealth is a trading style of Healthsaver Limited who is registered in the UK under Company Registration Number 4362938. Terms & Conditions Healthsaver Limited is authorised and regulated by the Financial Conduct Authority and entered on the FCA register (www.register.fca.org.uk) under reference 582331. Terms & Conditions The guidance and/or advice contained within this website is/are subject to the UK regulatory regime and is/are therefore primarily targeted at consumers based in the UK