What is a health cash plan?
A health cash plan is a low-cost insurance package that provides cashback towards your everyday healthcare bills, as well as providing cover towards the unexpected such as a stay in hospital.
Who can apply?
Anyone from 16 to 65 years old can apply to join Medicash. No medical is needed and your premiums will not increase because of your age.
Is my family covered?
Our plans are designed to cover individuals, couples or families. You can cover up to four dependent children up to the age of 16, or 19 if in full-time education for some benefits at no extra cost.
Our Solo Plan covers you plus your 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.
When can I claim?
You can claim straight away for most benefits from the date shown on your Policy Schedule within your welcome pack. Some exclusions apply, see ‘What’s not covered?’ for more details.
Please note that Medicash will not pay any claims until your first premium has been received.
What’s not covered?
The benefit is not payable in respect of any pre-existing condition for the hospital benefit for three years from the start of your policy, or at the higher rate for three years following an increase in cover.
You are not covered for the birth/adoption of a child that takes place within the first 12 months of your policy, or it will be paid at the lower rate for 12 months following an increase in cover.
The benefit may also not be claimed if treatment is needed as a result of participation in dangerous sports or through self-inflicted injury.
Full details of what is and isn’t covered for each benefit can be found in the Terms and Conditions booklet.
What if I want to cancel?
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.
What happens when I reach 66?
As long as you join before your 66th birthday you can remain a member, providing you keep your premiums up-to-date.
Personal Accident cover ceases on your 66th Birthday, but you’ll continue to be covered for all other benefits.
How do I make a claim?
Making a claim is simple. Just ask for a receipt from your practitioner after you have received and paid for your treatment.
You can then either download and complete a claim form and post it to us along with your receipts, or alternatively use our App (available from the App Store and Google Play) and submit your claim directly from your smartphone. We aim to pay all claims within 5 working days of receiving them. Full details of how to claim can be found here.
Is there a time limit on claims?
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.
How can I upgrade my level of cover?
To change your level of cover, please call us on 0151 702 0304.
What is the duration of the plan?
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.
What if I have a complaint?
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 on 0151 702 0265 who’ll handle everything on your behalf.
Is there a limit to how many claims I can make a year?
No, you can claim as many times as you like, up to the maximum allowance shown on your benefit table. To discover which level of cover you are currently on, please refer to your Policy Schedule.
What is a benefit period?
This is the period of time that you can claim up to the maximum amount of benefit, as shown in the benefit table. Usually this is 12 months but please check your benefit table.
I’m going on holiday, does my plan cover me while I’m abroad?
No, this policy only covers treatment within the UK.
Who provides the health cash plan?
This insurance is provided by Medicash Health Benefits Ltd, One Derby Square, Liverpool L2 1AB. A company limited by guarantee and registered in England (number: 258025).
Medicash Health Benefits Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
I can’t open the Terms and Conditions, why is this?
To open these pages you must download Adobe Acrobat Reader, a free tool that allows you to open PDF documents. To download a copy please click here.
Do I need a check-up before I sign up to a health plan?
No, you do not need to have a medical before you sign up to a Medicash healthcare cash plan. There are some exclusions when you join such as pre-existing conditions relating to a hospital stay, but these will be checked at the time you submit your claim.
Do Medicash’s health plans cover dental work?
Yes, Medicash’s health cash plans cover routine dental treatments and can even reimburse part of an existing dental care plan that you may be paying for. Please note however that Medicash do not cover any cosmetic treatment such as teeth whitening and the amount that you can claim back each year is dependent upon your chosen level of cover.
Do health plans cover maternity or the birth of a child?
Yes, Medicash’s Wellbeing health plan will pay you a lump sum upon the birth of your child or the adoption of a child under the age of three. There is a 12 month waiting period before you will be eligible for this benefit so if you or your partner are already pregnant or trying to conceive, please note that you may not be eligible for this benefit when your child is born.