Health Cash Plans

Supporting your employees’ everyday health

Health Cash plans are another popular benefit to support employees’ wellbeing. They differ from medical insurance because they are designed purely to reduce your employees’ out-of-pocket everyday health expenses.

Your employees, and often family members too, can typically get back between 50% and 100% of the cost of routine healthcare appointments, up to a predefined limit. Workers simply pay the bill on the day and claim the cash back.

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People don’t need to be ill to benefit from a health cash plan, but if they do have an unexpected illness they can claim towards the cost of a diagnostic consultation, or private medical insurance excess. It doesn’t matter whether healthcare is delivered through the NHS or privately, a health cash plan can help.

Cover can include:

  • Maternity or adoption expenses
  • Dental and optical care
  • Chiropractic treatments
  • Osteopathy
  • Health Screening
  • Hospital day admissions
  • Hearing aids
  • Podiatry

Why provide a Cash Plan for your employees?

  • Every year, many thousands of employees wait to see a consultant.  A cash plan contributes towards the cost should an employee wish to access consultants and required tests privately and quickly. From this point of expert intervention, they can be progressed for treatment or therapy, which may otherwise have been deferred for months.
  • Businesses have enough to handle without taking on complicated processes to assist with the administration of employee benefits and that’s why the health cash plan is simple, straight forward and very easy to do.
  • With premiums typically 90% lower than Private Medical Insurance, health cash plans are an affordable alternative for some businesses.

What are the benefits of a health cash plan?

Benefits for your business

  • Quick and easy to get up and running.
  • Health cash plans sit well alongside other healthcare benefits, including PMI
  • Considered a cost-effective way to support everyday healthcare needs.
  • Can help to reduce sickness absence and boost staff retention and morale


Benefits for your employees

  • Viewed as a valuable perk, optimising treatment speed and minimising cost.
  • A cash plan can be used on a regular basis. It enables employees to proactively look after their wellbeing and go for preventative check-ups which may help to prevent or early diagnose any health problems before they become serious.
  • As many employees don’t put money aside for costs such as check-ups or emergency treatment, a cash plan helps towards meeting unexpected costs

Find out more

To find out more or to discuss your options in more detail, the expert team at CLA Healthcare are on hand to help.

Call 01274 717361 or email to find out more.

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