Group Cash Plan

Offering affordable, tax-efficient coverage for everyday healthcare like dental, optical, and physiotherapy.

No instant quotes — we’ll guide you to the right cover for your needs.

What is

group cash plan?

A Group Cash Plan is a corporate health benefit that helps employees cover the costs of their everyday, routine healthcare.

‍

Unlike private medical insurance which covers serious conditions, a cash plan provides cashback for treatments like dental check-ups, eye tests, physiotherapy, and specialist consultations.

‍

It’s a simple, affordable way for a company to support the day-to-day health and wellbeing of its entire team.

Why might you need group cash plan?

In today's competitive environment, businesses need to offer benefits that provide real, tangible value to their employees.

‍

A Group Cash Plan is a highly appreciated, low-cost perk that helps your staff budget for their family's healthcare, reducing financial stress. It promotes a proactive approach to health, encouraging regular check-ups which can reduce sickness absence.

‍

Because it's inclusive and easy to use, it's a powerful tool for boosting morale and showing your team you care about their everyday wellbeing.

‍

How does Group Cash Plan work in the UK?

A Group Cash Plan is designed for simplicity. The employer pays a monthly premium for each covered employee. When an employee receives a routine healthcare treatment—for example, an eye test or a dental filling—they pay for it as usual, get a receipt, and then submit a claim to the cash plan provider.

‍

The provider then reimburses the employee directly, up to the annual limits set out in the policy.

In the UK, cash plans are available at different levels of cover to suit your budget and needs:

Core Level Plans

These plans provide a solid foundation of cover for the most common healthcare expenses.

Offers a set annual amount for dental, optical, and key therapies.

Often includes access to a 24/7 GP helpline and an Employee Assistance Programme (EAP).

The most affordable option, providing great value for a small investment.

Comprehensive Level Plans

These plans offer higher reimbursement limits and cover a wider range of treatments.

Includes all the benefits of a core plan but with more generous annual limits.

May add cover for things like health screenings, prescription charges, and specialist consultations.

Chosen by companies looking to provide a more robust and premium healthcare benefit.

👉 At Health Cheque, we help you compare Group Cash Plan providers to find the perfect level of cover for your business and your team.

Benefits of

Group Cash Plan

Cash plans allow employees to claim back everyday healthcare costs, from dental visits to physiotherapy. Affordable and easy to manage, they’re a practical way to promote healthier living in your workplace.

Promotes Preventative Health

By making routine check-ups more affordable, cash plans encourage employees to be proactive about their health, preventing minor issues from becoming major problems.

Includes Employee Assistance Programmes (EAP)

Many plans come with a 24/7 helpline for confidential support on issues like stress, debt, or legal matters, supporting your team's overall wellbeing.

Access to Therapy & Wellbeing Services

Cash plans often include cover for therapies like physiotherapy, osteopathy, and chiropody, helping employees manage physical health and recover from injuries faster.

No Medical History Needed

Unlike PMI, cash plans usually accept all employees without the need for medical underwriting, making it a simple and inclusive benefit to set up.

A Simple & Affordable Benefit

Group Cash Plans are a low-cost, high-impact benefit that is easy for employees to understand and use, providing tangible value from day one.

Cover Everyday Health Costs

Employees can claim back money spent on routine healthcare like dental check-ups, eye tests, glasses, and contact lenses, making their salaries go further.

What does

Group Cash Plan

cover?

Help your team budget for their health—and feel valued.

A Group Cash Plan is designed to provide cashback for a wide variety of common healthcare expenses, making it easier for your employees to look after their health without worrying about the cost.

Most plans provide annual benefit allowances for:

‍

Dental Care – including check-ups, hygiene appointments, fillings, and crowns.

Optical Care – including eye tests, prescription glasses, and contact lenses.

Therapies – such as physiotherapy, osteopathy, chiropractic, and sometimes acupuncture.

Specialist Consultations – covering part of the cost to see a specialist privately.

Health Screenings – contributing towards preventative health checks.

More Than Money Back: Employee Assistance Programmes (EAP)

For many businesses, one of the most valuable features included in a Group Cash Plan is a comprehensive Employee Assistance Programme (EAP). This provides all staff with free, 24/7 access to a confidential helpline for support with a wide range of personal and professional issues.

‍

EAP services often provide expert counselling and advice for:

‍

Mental health concerns like stress, anxiety, and depression.

Financial and debt worries.

Legal and tenancy issues.

Bereavement and relationship support.

‍

Compare the UK's leading insurance providers and get free advice from our expert team

get a Quote

No instant quotes — we’ll guide you to the right cover for your needs.

What isn't covered by

Group Cash Plan

?

Understand the limitations to choose the right policy.

‍

While cash plans are incredibly versatile, they are designed for routine expenses, not major medical events. It's important to understand what is typically excluded.

Common Group Cash Plan Exclusions:

Exceeding Annual Limits - Claims are only paid up to the maximum annual limit for each category of treatment. Any costs above this limit are not covered.

Major Surgery & Hospital Stays - In-patient hospital treatment and major surgical procedures are not covered by cash plans; this is what Private Medical Insurance is for.

Purely Cosmetic Treatments - Procedures that are not medically necessary, such as cosmetic dentistry or teeth whitening, are typically excluded.

Pre-existing Conditions - While underwriting is rare, some policies may impose a qualifying period before an employee can claim for a condition they had before joining.

Medication & Prescriptions - The cost of ongoing medication is not usually covered, although some higher-level plans may offer a small benefit for prescription charges.

Health cash plans are one of the most used and appreciated benefits, with millions of pounds paid out to UK employees for everyday health costs each year. The key is to ensure your team understands the full range of benefits available—from optical care to EAP support—so they can make the most of the plan.

‍

Need clarity on a specific benefit or situation? Speak to our team for expert, impartial guidance.

‍

Looking for

Group Cash Plan

cover here in the UK?

A Group Cash Plan is a smart, affordable, and highly appreciated addition to any employee benefits package. At Health Cheque, we provide independent advice on group cash plans, helping UK businesses find the right policy to support their team's wellbeing.

‍

Whether your business is in London, Manchester, Birmingham, Leeds, or anywhere nationwide, our expert advisers compare leading UK insurers to help you build a benefits package that makes a real difference.

Why businesses choose Health Cheque for group cash plans

Independent advice — we search the whole market to find the right cover

Over 28 years’ experience supporting UK businesses and their teams

Tailored protection — plans designed around your business size and budget

Affordable premiums — compare the UK’s top insurers side by side

Simple, clear explanations — no jargon, just straightforward advice

Ongoing support — guidance for you and your employees

Get in touch with us or Book a consultation to compare policies

Compare Now

A professional portrait of the director of a private medical insurance brokerage, dressed in a business suit, standing in a modern office setting with a confident and approachable expression.

Independent expertise in private medical insurance you can rely on

With nearly two decades of experience, Health Cheque has built a reputation for clear, impartial advice in the private health insurance market. We focus on simplifying the complex, guiding clients through their options with transparency and care. Whether reviewing existing cover or exploring new policies, our priority is helping individuals, families, and businesses make confident, informed choices.

Shane Saidy

Director