Health Cash Plan

A Health Cash Plan is an easy, low-cost way to look after your essential medical requirements, including 100% of your money back on dental and optical cover (up to a maximum of £130 benefit each per year). The plan also covers therapy treatments and you’ll also get money back towards specialist diagnostic consultation fees. The amounts you can claim depend on the benefit type and this can be found in the Benefits Table.

No, this isn’t private medical insurance. A Health Cash Plan provides cash benefits for routine healthcare costs e.g. dental treatments, prescription glasses and therapies such as physio and osteopathy.

You can be covered provided you are aged 18-60 and a UK resident. This includes those currently employed as an offshore worker, seafarer or mariner, whose permanent residence remains in the UK. 

Plus, there are no medical questions to answer – acceptance is guaranteed – and your policy can continue until the first monthly renewal after you reach the age of 62.

Pre-existing conditions for Inpatient and day case treatments are not covered by the policy.

For most other benefits there is a qualifying period of between 90 to 300 days before you are entitled to claim, however following this period pre-existing medical conditions will be covered. For details regarding the qualification periods, please see the Benefits Table.

Cover is only available to residents of England, Scotland, Northern Ireland and Wales.

Below are the benefits covered by the Health Cash Plan.

What’s covered:

For a full list of benefits, qualifying periods and maximum annual benefits, please read the Policy Wording.

Claims will not be paid until after the relevant qualifying period has passed and you will not be paid for more than one benefit for the same treatment or hospital stay.

Inpatient and day case treatment relating to a pre-existing condition.

You cannot keep in force or claim benefit under more than one Health Cash Plan administered by Union Income Benefit Holdings Ltd and underwritten by Stonebridge International Insurance Limited.

Full details of this cover, and any exclusions that apply, are included in the ‘What is not covered’ section of the Policy Wording.

Some benefits have a waiting period (qualifying period) of between 90 to 300 days before you are entitled to claim. This limitation does not apply if the claim is as the result of an accident for ‘dental’ or hospital inpatient and day case treatment, which is covered immediately as long as your first premium has been received or your policy has been issued.

Cover will cost £23.45 per month.

Cover starts immediately on completion of your application subject to the qualification periods for certain benefits which can be checked in the Policy Wording.

The policy and any benefits you may be receiving will end on the earliest of the following:

• You die;
• Your policy is due for renewal after you reach the age of 62;
• You cease to be a UK resident;
• You or we cancel this policy as shown in your policy document; or
• You stop paying your premiums;

*NB. You will need to advise us if your circumstances change.

This insurance is arranged by Union Income Benefit Holdings Ltd and underwritten by Stonebridge International Insurance Ltd.

We’ve made it simple to claim.

When you pay for your treatment, make sure to ask for a receipt which includes:

• A description of the treatment received or the items paid for
• the date of the treatment
• the full cost
• the date the account was paid (you must pay for the treatment before making a claim)

If we require any further information not requested on the claim form, we will contact you to let you know once we have reviewed it.

Then send the original or a copy, along with the completed HCPA Claim Form to:

Claims Department
Union Income Benefit,
5th Floor,
154 – 160 Fleet Street,
London,
Blackfriars,
EC4A 2DQ

Telephone: 0800 014 7024 (please note all calls are recorded)

Email: claims@uibuk.com

If you have another insurance policy in force at the time of a valid claim, which covers you for the same loss or expense, Union Income Benefit Holdings Ltd will still pay you the benefit, however they may seek to recover some or all of the costs from the other insurer.      

You cannot keep in force or claim benefit under more than one Health Cash Plan administered by Union Income Benefit Holdings Ltd and underwritten by Stonebridge International Insurance Ltd.

You can cancel the policy within 14 days of the start date, and we will refund any premium paid if no claim has been made. Following this, you may cancel the policy at any time in writing to Union Income Benefit, 5th Floor, 154 – 160 Fleet Street, London, Blackfriars, EC4A 2DQ by emailing customerservices@unioninsurance.co.uk or by phone on 0343 178 1226 but we will not refund any premium paid.

As per Section 5 General Conditions of the Policy Wording, if a policy is cancelled for any of the reasons set out in Section 7. Cancellation of the Policy, the insurer will not accept an application for a new Health Cash policy underwritten by Stonebridge within 24 months of the cancellation date of the previous policy held by the same policyholder.