What is a health cash plan?

A health cash plan is a straightforward product that helps you to cover the cost of everyday health expenses. They’re simple to use and “do what they say on the tin”.

Cash plans have been around for many years, and are especially popular at the moment given the rising costs of things like dental check-ups, eye tests and alternative therapies. And with healthcare costs expected to continue to rise, now really is a great time to consider taking out a health cash plan.

So how do they work? Generally, they focus on a particular area of healthcare, like dental or optical cover. They normally have a choice of benefit levels offering different amounts of cover. The higher the level, the more cover you get, and so the higher the premium.

You choose the plan and level of benefit you need, pay the monthly premium relating to your level of cover, and in return you claim cashback up to the maximum amount you’re covered for, once you’ve had your treatment.

APRIL UK offers more comprehensive plans than just dental or optical policies. That’s because our plans give you added security and peace of mind. Why take out a dental plan when you can take out a policy that protects you for so much more?

We have our Medical Cash Plan, which gives you four levels of cover for a whole range of everyday healthcare costs including dental, optical, physiotherapy, osteopathy, homeopathy and specialist consultations. And, we also offer the Hospital Self-Pay Cash Plan, with three levels of cover for numerous private hospital treatments.

Take a look at our plans below and let us help you to get covered today.

 
 

Medical Cash Plan

Gives you cashback on everyday medical expenses

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Hospital Self-Pay Cash Plan

Cash back on self-pay package treatment at private hospitals

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Medical Cash Plan highlights

Cashback on everyday medical expenses

Our Medical Cash plan is a simple health plan that will cover your routine healthcare expenses up to the amount of cover you choose.

7 cash benefits included
Free children cover
4 levels of cover to suit different budgets
Option to include fracture cash benefits
 

"She answered all my questions and told me more than I asked, so that I was fully aware of my policy etc, and was very polite and helpful. It was a pleasure actually, you sometimes speak to people from companies who give you the impression that they do not really want to be there and APRIL definitely did not give that impression." - Mrs Cole

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What's included?

Whenever you’ve received any of the medical services below, simply send us valid proof. You’ll get money back to cover the amount you have incurred - up to the benefit limit.

With the APRIL UK Medical Cash Plan there are 4 levels of cover to choose from - Bronze, Silver, Gold or Platinum. Each level of cover provides a wide range of cash benefits to protect you against healthcare costs.

WHAT YOU RECEIVEBRONZESILVERGOLDPLATINUMWAITING
PERIOD
Dental
Routine check-ups and treatment
£70
(per year)
£140
(per year)
£210
(per year)
£280
(per year)
3 months
Dental accident£140
(per year)
£280
(per year)
£420
(per year)
£560
(per year)
Immediate
Optical
Sight tests, prescription glasses and contact lenses
£70
(per year)
£140
(per year)
£210
(per year)
£280
(per year)
3 months
Therapies*
Physiotherapy, osteopathy, chiropractic, acupuncture and homeopathy
£150
(per year)
£300
(per year)
£450
(per year)
£600
(per year)
3 months
Specialist consultations and diagnostic tests*
With a specialist physician or surgeon. Tests include PET, CT and MRI scans
£125
(per year)
£250
(per year)
£375
(per year)
£500
(per year)
3 months
Hospital admission*
As an in-patient or day-patient
£17.50
(per day/night)
£35
(per day/night)
£52.50
(per day/night)
£70
(per day/night)
3 months
Paternity/maternity
As an in-patient or day-patient
£100
(per child)
£200
(per child)
£300
(per child)
£400
(per child)
10 months

*GP / Specialist referral needed
Please refer to the Policy Document for a full list of benefits.

COVER YOUR CHILDREN FOR FREE!

Up to four children aged 0-18 can be covered at no additional charge, sharing the same benefit limits as the main policyholder.

Add fracture cover

Optional fracture cash cover

Fracture benefits
Leg (femur,tibia and fibula), vertebral body, pelvis, skull, vertebra, lower jaw, breastbone (sternum), shoulder blade (scapula), kneecap (patella), clavicle (collar bone), arm (humerus, radius and ulna), ankle, wrist, hand*, foot*, coccyx,rib(s), nose. * Excludes all fingers and toes.

£350 per fracture

Fracture cover does not start until day 16 of your policy.
Please refer to the Policy Document for a full list of benefits.

What's not included?

These are some of the key exclusions:

  • Pre-existing medical conditions (not applicable to dental or optical benefits)

  • Alcoholism, alcohol, drug, substance abuse and other addictive conditions

  • Chronic and long-term medical conditions (not applicable to dental or optical benefits)

These are some of the key fracture benefit exclusions

We will not pay benefit for any accident that is directly or indirectly caused by the following:

  • Any form of motorsports

  • Rock climbing or mountaineering of any type

  • Competing in any race other than on foot or whilst swimming

Please refer to the Policy Document for a full list of exclusions.

How do I make a claim?

Call the claims team on 0800 028 0849

Call the claims team on 0800 028 0849 for a claim form, which you’ll need to complete and return. We will also require an original receipt showing that an expense has been incurred, or a letter from the hospital, doctor or specialist showing that a medical treatment/service has been used. Any benefit due will be paid directly into your bank account.

FAQ

Are there any waiting periods or excesses to pay?
Waiting periods will apply on selected benefits. Please refer to the Policy Document for full information. No excesses are payable on this plan.
Who is eligible for this plan?
You must be:
  • Between the ages of 16 and 69 inclusive
  • Resident in the UK, Isle of Man or Channel Islands
Pre-existing Medical Conditions Clause
All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded - unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. (Not applicable to dental or optical benefits)
Who underwrites the plan?
Axeria Insurance Limited
Axeria Insurance Limited are a member of the APRIL Group and underwrite our Medical Cash Plan. We both share the vision of developing first-class products that offer comprehensive benefits and great value for money.

FAQ

Are there any waiting periods or excesses to pay?
Waiting periods will apply on selected benefits. Please refer to the Policy Document for full information. No excesses are payable on this plan.
Who is eligible for this plan?
You must be:
  • Between the ages of 16 and 69 inclusive
  • Resident in the UK, Isle of Man or Channel Islands
Pre-existing Medical Conditions Clause
All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded - unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. (Not applicable to dental or optical benefits)
Who underwrites the plan?
Axeria Insurance Limited
Axeria Insurance Limited are a member of the APRIL Group and underwrite our Medical Cash Plan. We both share the vision of developing first-class products that offer comprehensive benefits and great value for money.

Hospital Self-Pay Cash Plan highlights

 Cash back on self-pay package treatment at private hospitals

Private healthcare has a reputation for providing fast access to outstanding medical care. Many people also believe that it will be too costly and out of their reach.

Our Hospital Self-Pay Cash plan aims to change this. It provides cashback benefits on selected medical care at private hospitals. It means that you’ll be able to use any private hospital in the UK, pay for the eligible treatment that you need, and be reimbursed for the cost.

Up to £1,500 cashback on diagnostic cover (includes consultations and scans)
Up to £10,000 cashback on self-pay packages (medically necessary operations and procedures)
Up to £400 cashback on physio and other therapies
Easy to take out – no medical questions

"I have had the best experience with APRIL UK. Very helpful and the claims process has been handled professionally and hassle free. I would recommend to all and will be a long term customer" - Victoria Winward

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What's included?

YOUR BENEFITS(PER PERSON, PER BENEFIT YEAR)LEVEL-1LEVEL-2LEVEL-3
DIAGNOSTIC COVER
This includes appointments with a private GP Consultations* and tests **(including PET, MRI and CT scans).
*Following a referral from a GP, dentist or optician **Following a referral from a consultant.
£750
cash-back
Private GP appointments limited to one per year
£1,125
cash-back
Private GP appointments limited to one per year
£1500
cash-back
Private GP appointments limited to one per year
SELF PAY PACKAGE COVER
This includes in and day-patient self pay packages arranged by the hospital to treat your condition
*Following a referral from a GP, dentist or optician **Following a referral from a consultant.
£5000
cash-back
£7500
cash-back
£10000
cash-back
THERAPIES
Physiotherapy, osteopathy, acupuncture, homeopathy and chiropractic treatment
*Following a referral from a GP, dentist or optician **Following a referral from a consultant.
£200
cash-back
£300
cash-back
£400
cash-back

Please refer to the Policy Document for a full list of benefits.

What's not included?

These are some of the key exclusions:

  • Chronic conditions

  • Cosmetic procedures

  • HIV/AIDS or any related medical condition

  • Pre-existing medical conditions

  • Pregnancy, childbirth and fertility

  • Preventative treatment

  • Selected sports and hazardous pursuits

  • Self-inflicted injury or illness

Please refer to the Policy Document for a full list of exclusions.

How do I make a claim?

Call the claims team on 0800 028 0849

Call the claims team on 0800 028 0849 for a claim form, which you’ll need to complete and return. We will also require a referral letter and an original receipt showing that an expense has been incurred, or a letter from the hospital, doctor or specialist showing that a medical treatment/service has been used. Any benefit due will be paid directly into your bank account.

FAQ

Who is eligible for this plan?
You must be:
  • Between the ages of 18 and 69 inclusive
  • Resident in the UK, Isle of Man or Channel Islands
Pre-existing Medical Conditions Clause
All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded - unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. Call us to ensure the treatment you need is covered by your plan. That way you won’t incur costs that could leave you out of pocket!
Is cancer treatment covered?
The Diagnostic Cover benefit will provide cash back benefits for consultations and diagnosis tests. However cancer treatment such as surgery, drugs, radiotherapy and chemotherapy are unlikely to be available from private hospitals as a self-pay package. Therefore this type of treatment is unlikely to be covered on your Hospital Self-Pay Cash Plan.
What is a self-pay package?

A ‘self-pay package’ is predetermined by the hospital prior to treatment taking place and the costs will be negotiated by the patient. Typically it will include:

  • Pre-operative assessment
  • Hospital accommodation and meals
  • Nursing care
  • Hospital theatre fees, drugs and dressings whilst in hospital
  • Surgeon and anaesthetist fees whilst in hospital
  • Any necessary prosthesis where the procedure you undergo requires a prosthesis
  • X-rays, scans, physiotherapy, pathology, histology needed whilst in hospital
  • Take home drugs for up to 14 days following discharge as prescribed by treating consultant
  • Post-operative care where clinically required by the treating consultant including, removal of stitches, dressings or plaster. Tests and scans. One follow-up consultation.

Whenever you agree a self-pay package with a hospital, you will always receive an Admission Letter. This will detail exactly what is included in your package and you should always check it thoroughly to ensure it meets your requirements.

Who underwrites the plan?
Axeria Insurance Limited
Axeria Insurance Limited are a member of the APRIL Group and underwrite our Hospital Self-Pay Cash Plan. We both share the vision of developing first-class products that offer comprehensive benefits and great value for money.

FAQ

Who is eligible for this plan?
You must be:
  • Between the ages of 18 and 69 inclusive
  • Resident in the UK, Isle of Man or Channel Islands
Pre-existing Medical Conditions Clause
All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded - unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. Call us to ensure the treatment you need is covered by your plan. That way you won’t incur costs that could leave you out of pocket!
Is cancer treatment covered?
The Diagnostic Cover benefit will provide cash back benefits for consultations and diagnosis tests. However cancer treatment such as surgery, drugs, radiotherapy and chemotherapy are unlikely to be available from private hospitals as a self-pay package. Therefore this type of treatment is unlikely to be covered on your Hospital Self-Pay Cash Plan.
What is a self-pay package?

A ‘self-pay package’ is predetermined by the hospital prior to treatment taking place and the costs will be negotiated by the patient. Typically it will include:

  • Pre-operative assessment
  • Hospital accommodation and meals
  • Nursing care
  • Hospital theatre fees, drugs and dressings whilst in hospital
  • Surgeon and anaesthetist fees whilst in hospital
  • Any necessary prosthesis where the procedure you undergo requires a prosthesis
  • X-rays, scans, physiotherapy, pathology, histology needed whilst in hospital
  • Take home drugs for up to 14 days following discharge as prescribed by treating consultant
  • Post-operative care where clinically required by the treating consultant including, removal of stitches, dressings or plaster. Tests and scans. One follow-up consultation.

Whenever you agree a self-pay package with a hospital, you will always receive an Admission Letter. This will detail exactly what is included in your package and you should always check it thoroughly to ensure it meets your requirements.

Who underwrites the plan?
Axeria Insurance Limited
Axeria Insurance Limited are a member of the APRIL Group and underwrite our Hospital Self-Pay Cash Plan. We both share the vision of developing first-class products that offer comprehensive benefits and great value for money.