Health Cash Plans | My Health Xtras


Some answers to common questions we get asked by clients and policyholders

For Companies

A Health Cash Plan is an insurance policy that provides cashback towards a range of healthcare expenses, such as physiotherapy and optical, as well as offering cover for unexpected events like overnight stays in hospital and dental accidents.

Cancer Insurance from My Health Xtras offers cover upon first diagnosis and terminal diagnosis of most cancers. To find out more, please click here. 

As standard, there are 8 areas of cover in our Health and Wellness cash plan. These include:

  • Inpatient Hospitalisation
  • Home Recovery
  • Outpatient, Therapies and Consultations
  • Dental
  • Optical
  • Parental Hospital Benefit
  • Maternity/Paternity Benefit
  • Prescription Benefit

We also have the option to bespoke cover for companies dependent on their size. Please contact us if you would like to discuss this.

Of course! Our sister company, My Staff Shop provide a huge range of additional employee benefits, from reward and recognition to salary sacrifice schemes and on demand pay.

We pride ourselves on our speed and agility and this extends to how quickly we can get a plan up and running. 

If you can provide everything we need for setup and launch, we could conceivably go live within 24 hours! (Or at a time of your choosing, of course!)

Our minimum headcount for a corporate scheme is 5. 

Should your company be smaller than this we are still able to offer you cover however it will be rated on an individual basis. 

As a corporate client of My Health Xtras you will have access to our online platform where members can make routine claims online.

Should a member have a more complex claim, or they would just prefer to speak to someone, our customer services team are on hand by phone or email to help.

A full breakdown of how members can claim on company paid policies can be found here.

Making changes are easy. You will be assigned an account manager who will be your point of contact throughout the life of your policy. Changes can be made at any time and you are only ever billed for the members live on the 1st of the month.

Assuming you have sent us the changes you require by the last working day of the month your next monthly invoice will reflect the changes and you will be billed accordingly. We bill on a monthly basis, based on your current member list, so there is no need for annual reconciliation for over and under payments.  

Pricing is based on the headcount of your company. This is done in bands. We understand that this can fluctuate from time to time so we always allow up to 10% leeway on the lower end of your headcount band once your policy is live. Should you fall outside of this your account manager will contact you to discuss your options. 

Insurance premiums are not subject to VAT. 

The premium you pay, or is quoted to you, is inclusive of Insurance Premium Tax (IPT). 

No worries, our team are on hand to answer any queries you may have about a corporate scheme – please fill in this form and we will get back to you. 

For individual policyholders

Find out how to make a claim, here.

Please contact our customer service team on 03300 242 280 or by email at

You can increase your cover within your 14 day cooling off period or at the annual review of your policy.

If you want to reduce your cover, you may be able to do this at any time depending on your type of policy. 

What you are covered for is shown in your policy document. This will have been sent to you, most likely by email, when your policy started and again upon the annual review of your policy. Should you require a fresh copy of your policy documents, or you would like them sent to you by post please contact our customer service team on 03300 242 280 or by email at 

On your certificate of insurance you will see a section titled ‘Review Date’. This is the date that your next policy year will start. Below is an example of how this would be shown on a policy certificate.

Our plans continue automatically every month we receive payment from you and you comply with the terms set out in the policy wording. 

Cancer Insurance plans cease on the annual review following your 70th birthday.

Our other policies do not currently have an upper age limit. However, there are age limits on when a policy can be taken out. 

In short, yes. Our Health and Hospital cash plans offer cover for pre-existing conditions. There may be some wait periods for certain elements of your cover which will be explained in your policy document. 

Your policy document explains what is required as evidence for each type of claim. Additionally, the cover letter or email sent with your claim form will tell you what you need to send to us. 

Yes. Our individual policies have an automatic continuation option where you can continue to pay for your policy via Direct Debit. You may have set this up when you took out the policy – in this case the switch will be seamless and you will receive confirmation your policy has been switched. If you haven’t set this up, don’t worry, our team will be in contact with you to ask if you want to set up a Direct Debit to continue your policy.

No worries! Just contact our customer service team on 0330 242 280 or by email at and they will be happy to help.

Voluntary schemes

If you offer a scheme to your workforce as a group you can still benefit from no or little underwriting terms meaning that access is not dependent on detailed health questionnaires and pre-existing conditions are disregarded.

Premiums can be paid by employees through payroll deduction.

We can help you promote your scheme so that you maximise the value of the benefit.

Group schemes

Our products offer an affordable option for businesses to provide their employees with health insurance solutions which provide financial support and peace of mind.

You select the level of cover which suits your requirements.

Contact Form Demo


How Can We Help?

If you are a policyholder, and you would like to discuss your policy with us, please call 03300 242 280 or email