Frequently Asked Questions

Anyone from 16 to 65 years old. No medical is needed and your premiums won't increase because of your age.

Our plans are designed to cover individuals, couples or families. Any dependent children up to the age of 16, or 19 if in full-time education, are covered for some benefits at no extra cost on all plans.

Our Solo Plan covers you plus any dependent children. If you wish to cover your partner, including same sex partnerships, you will need to select our Dual Plan. Both plans are available in a range of levels.

You can claim immediately from the time that your policy starts for most benefits, however, Birth of a Child and Pre-existing Conditions for Inpatient and Hospital Daycase are excluded from cover during the 12 months from the start of your plan or increase in premium level.

Benefit may not be claimed if treatment is needed as a result of participation in dangerous sports or self-inflicted injury. Full details can be found in the Terms and Conditions by clicking here.

You can cancel your Medicash plan at any time. If it's less than thirty days since you joined and provided that you have not made a claim, we'll refund your first month's payment.

As long as you join before your 66th birthday you can remain a member for life, providing you keep your premiums up-to-date. When the main policy holder reaches the age of 66 we will automatically transfer you to our Over 65's plan.

Making a claim is simple. Just ask for a receipt from your practitioner after you have received and paid for your treatment.

Complete a claim form (you can download one here) and post it to us along with your receipts. We'll then aim to pay the claim direct into your bank within 5 working days.

Yes, claims must be made within 26 weeks of the date that treatment was received or you were discharged from hospital, otherwise we will not accept liability to pay such claims.

You can request to change your details online by clicking here.

Alternatively, you can call us on 0845 600 6620. Please have your membership number to hand when you call.

To change your level of cover, simply call us on 0151 702 0304. Please have your membership number to hand when you call. Alternatively download an application form here.

Your policy will automatically be renewed every month, provided that you continue to pay your premiums and comply with the Terms and Conditions of the plan.

We hope you'll always be happy with the service you receive from Medicash, but if you do have a complaint, you can talk directly to our Customer Service Team who'll handle everything on your behalf.

No, you are only limited to your benefit limits as set out in the table of benefits. You can claim as many times as you like, provided you don't exceed the limits for each individual benefit in a benefit year. To discover which level of membership you are currently on, please refer to your Schedule of Membership.

Your benefit year is the 12 month period commencing on your benefit date as shown in your Schedule of Membership, the anniversary date or the 12 month period commencing on the effective date of a change of cover regardless of whether the change was initiated by you or us.

Benefit cover is ordinarily only for treatment within the UK. However, you are covered for emergency treatment that you receive anywhere in the world during overseas visits that are intended to last no more than 28 days. Receipts must be submitted to Medicash translated into English, if necessary. This cover is for emergency treatment for dental, optical, inpatient and parental stay, and personal accident benefits.

This insurance is provided by Medicash Health Benefits Limited, Merchants Court, 2-12 Lord Street, Liverpool L2 1TS. A company limited by guarantee and registered in England (number: 258025).

Medicash Health Benefits Limited is authorised and regulated by the Financial Services Authority. Details of registration can be found at www.fsa.gov.uk or by calling the FSA on 0845 606 1234.

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