Health Cash Plans

Everyday Care, Made Affordable

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What is a health cash plan?

A Health Cash Plan isn't medical insurance—it’s all about helping your team pay less for everyday healthcare costs. Employees pay upfront for routine services and claim back a portion—typically 50% to 100%—up to a set annual limit.

What’s Typically Covered

Maternity or adoption expenses

Dental and optical care

Chiropractic and osteopathy treatments

Health screenings and hospital day visits

Hearing aids and podiatry services

Benefits for Employees

  • Demonstrates that their health truly matters.
  • Helps reduce absences due to minor health issues.
  • Encourages faster return to work, easing workflow.
  • Reduces business disruption and improves productivity.
  • Keeps employees healthier, happier, and more engaged.
  • Keeps employees healthier, happier, and more engaged.

Benefits for Employers

  • Enhances overall team wellbeing and healthcare access.
  • Supports recruitment and retention efforts.
  • Reduces absenteeism and presenteeism.
  • Affordable with predictable costs.
  • Boosts productivity and employee engagement.

Expert Support Every Step of the Way

Whether you're introducing a Health Cash Plan for the first time or refining your current offering, our independent specialists provide tailored, impartial advice—designed for your business, your employees, and your budget.

FAQs

A Health Cash Plan helps employees claim back a portion of routine healthcare costs—like dental, optical, or screening expenses—up to a predetermined annual limit.

Common claims include dental and optical care, health screening, chiropractic or osteopathy treatments, hearing aids, podiatry, day hospital services, and maternity/adoption support.

They promote preventative care, reduce minor absence, cost little, and enhance employee wellbeing, loyalty, and productivity—while offering predictable expense management.