What a health cash plan is
A health cash plan reimburses a proportion of routine health costs — dental check-ups, glasses, physiotherapy, chiropody and more — up to annual limits, for a modest monthly premium. It's different from private medical insurance, which covers treatment of new conditions. The best plan matches the everyday costs you actually incur.
1. Everyday health cash plans
Cover routine costs like dental, optical and therapies. Best for individuals and families who regularly pay for these — the plan can pay for itself if you use the benefits.
2. Family health cash plans
Cover the whole household, often including children at low or no extra cost. Best for families with regular dental, optical and therapy needs across several people.
3. Higher-tier cash plans
Offer larger reimbursement limits and more benefit categories for a higher premium. Best for those who use a lot of routine healthcare and want fuller reimbursement.
4. Cash plans alongside private medical insurance
A cash plan complements PMI: PMI covers treatment of new conditions, the cash plan covers everyday costs. Best for those wanting both routine reimbursement and treatment cover.
Who benefits from a cash plan
- Regular users of dental, optical and therapy services
- Families with routine health costs across several people
- Those wanting low-cost help with everyday healthcare
- People who also hold PMI and want routine costs covered too
How to find the best health cash plan
A specialist can match a cash plan's benefits and limits to your actual usage so it pays its way. Find a health insurance specialist through Nesto — free, no obligation.
Frequently asked questions
What is a health cash plan?
A low-cost plan that reimburses a proportion of everyday health costs — dental, optical, physio and more — up to annual limits.
How is it different from private medical insurance?
A cash plan reimburses routine, everyday costs; private medical insurance covers treatment of new medical conditions. They complement each other.
Is a health cash plan worth it?
If you regularly use dental, optical or therapy services, the reimbursements can outweigh the premium. Light users may benefit less.
Can I cover my family?
Yes — family plans cover the household, often including children at low or no extra cost.
Can I have both a cash plan and PMI?
Yes — many people do, using PMI for treatment and a cash plan for everyday costs.