Cash4Health

Frequently asked questions

Is this the same as private medical insurance? Who is eligible for this plan? Do premiums vary with age? Is there a waiting period? What is my commitment? Is there anything that isn't covered? Can I upgrade to a higher level of cover later? Are the benefits taxable? Is it easy to claim? How do I apply? What if I change my mind? What if I am unhappy with the service I receive from Cash4Health? Are we covered by the Financial Services Compensation Scheme (FSCS)?

Is this the same as private medical insurance?
No, private medical insurance pays for treatment and operations performed privately. Cash4health+ is a healthcare cashplan which complements the NHS by paying grants and refunding bills for everyday health treatments. (For details of benefits please refer to the Benefits Table).

Who is eligible for this plan?
As long as you are aged between 16 and 69 years and live in the UK you can join and there is no upper age limit for the length of time you can continue with your cover. Your partner can also be covered on your plan. Dependent children can be covered at no extra cost provided they are 16 or under (18 or under if in full time education) and are UK residents.

Do premiums vary with age?
No. Premiums are based on the level of benefit you select and are not linked to age or medical history. We review our premiums periodically but we will give you at least 30 days written notice of any changes.

Is there a waiting period?
When you join you will have to serve a short waiting period of 3 months (10 months for the Birth Grant) before you can make a claim.

What is my commitment?
Simply to pay your regular premiums from month to month in return for which you can claim cash benefits. Cover is renewed monthly so there is no fixed plan term and you can cancel your plan at any time by giving us written notice.

Is there anything that isn't covered?
You cannot claim for bodycare treatments and consultations arising from chronic conditions (medical conditions of long duration involving very slow changes). Also, during your first two years, claims for pre-existing medical conditions are not covered. However, this exclusion applies only to medical conditions that you have suffered from in the two years before you joined, and does not include dental, optical or bodycare treatment.

Can I upgrade to a higher level of cover later?
Yes. You should review your cover periodically to ensure it remains adequate and, provided you are aged under 70, you can upgrade to qualify for additional benefits. However, you must stay at the new level of cover for at least one year before you can downgrade, and a further waiting period applies.

Are the benefits taxable?
No, all payments are tax free.

Is it easy to claim?
Yes. No more than three months after your treatment from an approved practitioner, just call us on 08457 990099 and your claim form will be completed over the telephone and sent to you to sign and return with receipts for your treatment. Provided your claim is approved, we will send you a cheque normally within five working days (subject to premiums being up to date).

How do I apply?
Simply fill in our application form and return to: Cash4Health, Gamgee House, 2 Darnley Road, Birmingham, B16 8TE.

What if I change my mind?
On approval of your application we will forward your Membership Pack which includes the Terms and Conditions of your plan. Under Financial Services regulations, if you are not completely happy with your cash4health+ plan you have 14 days from receiving your Membership Pack to cancel your plan. Simply return your Plan Documents to us at Cash4Health, Gamgee House, 2 Darnley Road, Birmingham B16 8TE marked "Cancelled". Provided that you have not made a claim, you will receive a full refund of any premiums paid.

What if I am unhappy with the service I receive from Cash4Health?
We take the concerns of our members very seriously. If at any time you wish to make a comment or complain about any aspect of the service that you have received from Cash4Health, please write to the Customer Relations Officer at: Cash4Health, Gamgee House, 2 Darnley Road, Birmingham B16 8TE.

In the unlikely event that your complaint cannot be resolved to your satisfaction, you can write to The Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR. (Telephone 0845 080 1800). The existence of the FOS or this complaints procedure does not prejudice your right to take legal action.

Are we covered by the Financial Services Compensation Scheme (FSCS)?
Yes. This means that you may be entitled to compensation from the FSCS in the event that we cannot meet our obligations. This depends on the type of business and the circumstances of the claim, but insurance arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

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