Health Cash Plan

Helping you pay for the cost of routine healthcare such as dental check-ups, new glasses or contact lenses, physiotherapy and other treatments.

100% cash back for dental and optical costs, up to £130 per year
100% for dental accidents, up to £1,000 per year
75% for therapy treatments such as physiotherapy, osteopathy and acupuncture, up to £150 per year
£30 per night for hospital inpatient treatment, up to £600 per year
Guaranteed acceptance for UK residents aged 18-60
No medical questions
Easy to claim
This policy is underwritten by Stonebridge International Insurance Ltd

What is it?

Put simply, the 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.

With cover at £23.45 per month, a few treatments a year is often all it takes to see the plan pay its way.

Plus:

• There are no medical questions
• Cover for accidents is instant.

It isn't private medical insurance, but what it will do, is give you cash to cover more routine services, such as a visit to the optician, a dental filling or physio for a sore shoulder. It even pays out £200 for a new baby (a 300-day qualifying period applies). Terms and conditions apply, see policy wording for full exclusions and limitations.

Rather than relying on savings or a credit card, the health cash plan enables you to claim back some or all the expense.... because those expenses do add up!

Here's how it works:

This policy is underwritten by Stonebridge International Insurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 203188. Union Income Benefit Holdings Ltd and Stonebridge International Insurance Ltd are both members of the same group of Companies and are ultimately owned and controlled by the Parent Company Embignell Ltd, registered in England no 05871053.

Benefits Table

Below are the benefits covered by the Health Cash Plan. For full details of benefits, qualifying periods and maximum annual benefits, please read the Policy Wording.

Type 1 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Dental Treatment	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year	90 days
Optical Cover	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year
Therapies: Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Chiropody & Podiatry	75% of what you have paid to the qualified practitioner	Up to £100 per benefit year
Specialist Diagnostic consultation fee	75% of what you have paid to the qualified practitioner	Up to £300 per benefit year
Health Screening Benefit	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Total Maximum Benefit	Total benefit claimable across all Type 1 benefits	£500 per benefit year
Type 2 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Hospital Inpatient Treatment	£30 per night up to a maximum of 20 nights (min 4 consecutive nights)	Up to £600 per benefit year	90 days (not applied if accident related)
Day Case Treatment	£20 per day for up to a maximum of 10 days	Up to £200 per benefit year	90 days (not applied if accident related)
New Child Expenses	We will pay a benefit of £200 for the birth of each child where you are named as a parent on the birth certificate or adoption certificate for a child under the age of one.		300 days
Dental Accident	100% of what you have paid to a qualified practitioner for emergency and other treatment following dental injury.	Up to £500 per accident and £1,000 per benefit year	None
Total Maximum Benefit	Total benefit claimable across all Type 2 benefits	£2,500 per benefit year
Total Maximum Plan Benefit	Total benefit claimable across all benefits covered by the plan	£3,000 per benefit year

Why might I need it?

This Health Cash Plan is designed to meet the needs of those who wish to have financial help covering the costs of dental or optical expenses, such as check-ups and new prescription glasses and other everyday health expenses.

Every year you can claim up to the maximum benefit level for each treatment or procedure, subject to the annual maximum total benefits under the plan.
Policy Docs

Download policy documentation

Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

Policy Wording

Insurance Product Information Document (IPID)

We do everything we can to ensure we’re giving you the best possible service, whatever your circumstances. If you require additional support and would like to find out more or to request information in a different format, please contact our friendly customer services team on 0345 026 1101.
Testimonials

The Health Cash Plan in action

Bruce (45) from Warwickshire, had surgery that resulted in a series of hospital stays. He was able to claim for Hospital Inpatient benefit on his plan and received £1,700. As he received no sick pay, the money meant he could pay off his bills and credit cards. He found the claims process really easy; "I didn't realise you could do everything online."
Bruce rated his experience with us 5/5.

What's a 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.
Is it the same as private medical insurance?

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.
Can anyone get covered?

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.
What if I have pre-existing medical conditions?

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.
What if I live in the Channel Islands or Isle of Man, can I get cover?

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

What am I covered for?

Below are the benefits covered by the Health Cash Plan.

What's covered:

Type 1 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Dental Treatment	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year	90 days
Optical Cover	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year
Therapies: Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Chiropody & Podiatry	75% of what you have paid to the qualified practitioner	Up to £100 per benefit year
Specialist Diagnostic consultation fee	75% of what you have paid to the qualified practitioner	Up to £300 per benefit year
Health Screening Benefit	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Total Maximum Benefit	Total benefit claimable across all Type 1 benefits	£500 per benefit year
Type 2 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Hospital Inpatient Treatment	£30 per night up to a maximum of 20 nights (min 4 consecutive nights)	Up to £600 per benefit year	90 days (not applied if accident related)
Day Case Treatment	£20 per day for up to a maximum of 10 days	Up to £200 per benefit year	90 days (not applied if accident related)
New Child Expenses	We will pay a benefit of £200 for the birth of each child where you are named as a parent on the birth certificate or adoption certificate for a child under the age of one.		300 days
Dental Accident	100% of what you have paid to a qualified practitioner for emergency and other treatment following dental injury.	Up to £500 per accident and £1,000 per benefit year	None
Total Maximum Benefit	Total benefit claimable across all Type 2 benefits	£2,500 per benefit year
Total Maximum Plan Benefit	Total benefit claimable across all benefits covered by the plan	£3,000 per benefit year

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

What's not covered?

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.
Are there any waiting periods before benefits can be claimed?

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.
How much does it cost?

Cover will cost £23.45 per month.
When does my cover start?

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

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.
Who underwrites this policy?

This insurance is arranged by Union Income Benefit Holdings Ltd and underwritten by Stonebridge International Insurance Ltd.
How do I make a claim?

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 claim form (which you can download here) to:

Claims Department
Union Income Benefit
39/51 Highgate Road
London
NW5 1RT

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

E-mail: claims@uibuk.com
What if I have other insurance?

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.
What happens if I take out the cover and then change my mind?

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 UniteProtect, 39/51 Highgate Road, London NW5 1RT, by emailing customerservices@rmtprotect.com or by phone on 0800 033 4184 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.

What is it?

Put simply, the 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.

With cover at £23.45 per month, a few treatments a year is often all it takes to see the plan pay its way.

Plus:

• There are no medical questions
• Cover for accidents is instant.

It isn't private medical insurance, but what it will do, is give you cash to cover more routine services, such as a visit to the optician, a dental filling or physio for a sore shoulder. It even pays out £200 for a new baby (a 300-day qualifying period applies). Terms and conditions apply, see policy wording for full exclusions and limitations.

Rather than relying on savings or a credit card, the health cash plan enables you to claim back some or all the expense.... because those expenses do add up!

Here's how it works:

This policy is underwritten by Stonebridge International Insurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 203188. Union Income Benefit Holdings Ltd and Stonebridge International Insurance Ltd are both members of the same group of Companies and are ultimately owned and controlled by the Parent Company Embignell Ltd, registered in England no 05871053.

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Benefits Table

Below are the benefits covered by the Health Cash Plan. For full details of benefits, qualifying periods and maximum annual benefits, please read the Policy Wording.

Type 1 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Dental Treatment	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year	90 days
Optical Cover	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year
Therapies: Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Chiropody & Podiatry	75% of what you have paid to the qualified practitioner	Up to £100 per benefit year
Specialist Diagnostic consultation fee	75% of what you have paid to the qualified practitioner	Up to £300 per benefit year
Health Screening Benefit	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Total Maximum Benefit	Total benefit claimable across all Type 1 benefits	£500 per benefit year
Type 2 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Hospital Inpatient Treatment	£30 per night up to a maximum of 20 nights (min 4 consecutive nights)	Up to £600 per benefit year	90 days (not applied if accident related)
Day Case Treatment	£20 per day for up to a maximum of 10 days	Up to £200 per benefit year	90 days (not applied if accident related)
New Child Expenses	We will pay a benefit of £200 for the birth of each child where you are named as a parent on the birth certificate or adoption certificate for a child under the age of one.		300 days
Dental Accident	100% of what you have paid to a qualified practitioner for emergency and other treatment following dental injury.	Up to £500 per accident and £1,000 per benefit year	None
Total Maximum Benefit	Total benefit claimable across all Type 2 benefits	£2,500 per benefit year
Total Maximum Plan Benefit	Total benefit claimable across all benefits covered by the plan	£3,000 per benefit year

Why might I need it?

This Health Cash Plan is designed to meet the needs of those who wish to have financial help covering the costs of dental or optical expenses, such as check-ups and new prescription glasses and other everyday health expenses.

Every year you can claim up to the maximum benefit level for each treatment or procedure, subject to the annual maximum total benefits under the plan.

Policy Docs

Download policy documentation

Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

Policy Wording

Insurance Product Information Document (IPID)

We do everything we can to ensure we’re giving you the best possible service, whatever your circumstances. If you require additional support and would like to find out more or to request information in a different format, please contact our friendly customer services team on 0345 026 1101.

Testimonials

The Health Cash Plan in action

Bruce (45) from Warwickshire, had surgery that resulted in a series of hospital stays. He was able to claim for Hospital Inpatient benefit on his plan and received £1,700. As he received no sick pay, the money meant he could pay off his bills and credit cards. He found the claims process really easy; "I didn't realise you could do everything online."
Bruce rated his experience with us 5/5.

FAQ

What's a 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.

Is it the same as private medical insurance?

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.

Can anyone get covered?

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.

What if I have pre-existing medical conditions?

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.

What if I live in the Channel Islands or Isle of Man, can I get cover?

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

What am I covered for?

Below are the benefits covered by the Health Cash Plan.

What's covered:

Type 1 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Dental Treatment	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year	90 days
Optical Cover	100% of what you have paid to the qualified practitioner	Up to £130 per benefit year
Therapies: Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Chiropody & Podiatry	75% of what you have paid to the qualified practitioner	Up to £100 per benefit year
Specialist Diagnostic consultation fee	75% of what you have paid to the qualified practitioner	Up to £300 per benefit year
Health Screening Benefit	75% of what you have paid to the qualified practitioner	Up to £150 per benefit year
Total Maximum Benefit	Total benefit claimable across all Type 1 benefits	£500 per benefit year
Type 2 Benefits	Cash Plan Pays	Maximum Benefit Per Year	Qualifying Period
Hospital Inpatient Treatment	£30 per night up to a maximum of 20 nights (min 4 consecutive nights)	Up to £600 per benefit year	90 days (not applied if accident related)
Day Case Treatment	£20 per day for up to a maximum of 10 days	Up to £200 per benefit year	90 days (not applied if accident related)
New Child Expenses	We will pay a benefit of £200 for the birth of each child where you are named as a parent on the birth certificate or adoption certificate for a child under the age of one.		300 days
Dental Accident	100% of what you have paid to a qualified practitioner for emergency and other treatment following dental injury.	Up to £500 per accident and £1,000 per benefit year	None
Total Maximum Benefit	Total benefit claimable across all Type 2 benefits	£2,500 per benefit year
Total Maximum Plan Benefit	Total benefit claimable across all benefits covered by the plan	£3,000 per benefit year

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

What's not covered?

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.

Are there any waiting periods before benefits can be claimed?

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.

How much does it cost?

Cover will cost £23.45 per month.

When does my cover start?

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

When does my cover end?

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.

Who underwrites this policy?

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

How do I make a claim?

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 claim form (which you can download here) to:

Claims Department
Union Income Benefit
39/51 Highgate Road
London
NW5 1RT

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

E-mail: claims@uibuk.com

What if I have other insurance?

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.

What happens if I take out the cover and then change my mind?

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 UniteProtect, 39/51 Highgate Road, London NW5 1RT, by emailing customerservices@rmtprotect.com or by phone on 0800 033 4184 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.

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