Cash Plans by The Exeter

Cashplan

If you or a member of your family have been for a routine medical, dental or optical appointment recently you’re likely to be all too aware of how high the costs can be. These costs can soon mount up and become a financial burden, especially if you have a large family to look after.

Cash plans help put you in control of your healthcare costs. When you buy a cash plan, you are able to claim back money, up to set limits, to meet the cost of your essential healthcare. They are designed to be both simple and affordable.

For individuals

Our Health Cash Plan provides cover for individuals who want to manage and budget for their family healthcare costs.

For companies

Our One Fund plan provides cover for companies who want their staff to benefit from valuable cover against healthcare costs.

Making a claim

All One Fund customers are now able to claim online using our simple new portal, available by clicking here.

Overview


We offer two types of cash plan, one designed for individuals to self-insure and one for companies to add to their range of staff benefits.

Health Cash Plan

Is an individual cash plan policy, to cover individuals and their families.

Health Cash Plan offers a simple, straightforward approach to cover. An approach that means you don’t have to make too many decisions on how much benefit you need and you can be clear about the amount of cashback you will receive when you make a claim.

One Fund

One Fund is our innovative cash plan designed for companies. It is a different approach to cash plan design, giving each individual covered the flexibility to tailor their own plan to their individual needs, putting them in control.

One Fund is available in company paid and employee paid variants, giving firms the ability to tailor their benefit provision to their needs.

The Exeter

The Exeter is a trading name of The Exeter Cash Plan, which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (Financial Services Register No. 202311). Registered in England, Company No. 00515058 with its registered office at Lakeside House, Emperor Way, Exeter EX1 3FD.

Health Cash Plan – for individuals

Health Cash Plan

Our Health Cash Plan helps you budget and plan for the costs of managing your health.

It covers a wide range of different treatments, check ups and therapies that for many of us are part of everyday life. That could be a trip to the dentist or optician; it could be covering the costs of certain complementary therapies to help overcome a health problem or injury.

Key benefits for policyholders:

For as little as £12 per month, our Health Cash Plan offers the following key benefits:

  • Money back on dental, optical and some complementary therapies' costs, regardless or whether you are treated privately or on the NHS
  • Personal accident cover to provide peace of mind
  • An extra £50 per year to help with your children’s dental and optical treatments – for no additional cost.

How Health Cash Plan works

By paying a monthly premium, you’ll be covered for the things that can crop up at any time – like needing a new pair of glasses or an emergency filling. Should the worse happen, there are several hundreds of pounds worth of benefits available.

Does cover extend to family members?

You can also extend your cover to your partner or any of your children aged under 17 – you simply have to confirm who you would like to cover when you complete your application.

Children who are included in your plan are covered for dental and optical treatment up to a separate, lower limit than you or your partner. The benefit amounts are shared between all children covered.

Guaranteed cover

We guarantee to accept your application for cover without the need for a medical – as long as you are between 17 and 65 and live in the UK.

You won’t be covered for any pre-existing conditions apart from under the dental and optical benefit categories.

Benefit categories

  • Dental
    Most NHS and private non-cosmetic dental treatment.
  • Optical
    Eye tests, prescription glasses and contact lenses.
  • Complementary therapies
    Physiotherapy, osteopathy, chiropractic and acupuncture.
  • Worldwide personal accident cover
    A lump sum payment which is made in the event of an accident that you suffer anywhere in the world.
  • Worldwide accidental death cover
    A lump sum payment that would be made to your estate in the event of your death as a result of an accident.

Cover levels

There are three levels of cover for you to choose from to suit your budget and needs. Depending on which level of cover you choose, there are different limits on how much money you can claim back.


One Fund – for companies

One Fund

If you run a business, you’ll be only too aware that the health and happiness of your staff can have a huge impact on your success. So, if you can give them a way to help budget for and manage the costs of their healthcare, it can only be a good thing.

Benefits for business owners

  • You can improve staff morale and company culture
  • Earlier and better absence management
  • An enhanced benefits package to help attract new staff
  • Can help manage the cost of group private medical insurance schemes by covering some of the smaller claims that could otherwise increase your premium.

How One Fund works

Each employee has access to an annual pot of money. When they receive a treatment covered by the policy, they simply send the receipt to us (within 3 months) to claim some or all of the costs back – the exact amount will depend on the plan limits and any excess that applies.

Any valid claims will be paid direct to the chosen bank account within 3 working days.

You can provide the One Fund as an employee benefit, as a key part of your support to your employees. Alternatively you can give them access to the scheme for them to pay their premiums by Direct Debit or via your payroll.

Does cover extend to family members?

Yes, each employee has the option to add partners for the cost of an equivalent premium on the employee paid policy, and you can also cover partners should you wish on the company paid scheme.

Children can also be added to cover and share the adult’s cover allowance, although they aren’t covered for health screening or counselling.

Benefit categories

There are 7 categories of benefit, each of which is subject to limits:

  • Dental
    Most NHS and private non-cosmetic dental treatment.
  • Optical
    Eye tests, prescription glasses and contact lenses.
  • Consultations & diagnostics
    Investigative tests and diagnostic care.
  • Health screening
    Including full health screens, well man and well woman screens recommended by a GP.
  • Counselling
    Face to face sessions with trained counsellors, plus a 24-hour counselling telephone helpline.
  • Complementary therapies
    Physiotherapy, osteopathy, chiropractic, acupuncture and homeopathy.
  • PMI excess cover
    Payment of a plan holder’s private medical insurance excess.

Cover levels

Cover starts from just £11 per month and is available in 7 levels – the higher the premium, the higher the total fund will be.

The premium paid each month will be calculated from the number of plans, multiplied by the individual premiums which apply at the time. Any partners must be covered at the same premium level as the employee who pays for their plan.

Premiums can be paid on behalf of employees, or employers can provide it as an optional benefit – where the employee pays for their own cover.

Company paid - for five or more employees

Employee paid

Excess

The £50 excess only applies to the dental and optical benefit categories and is applied once per plan per year on each of these benefits – but it doesn’t apply to eye tests.

Once the excess is paid, further benefit can be claimed without any further reduction.


Making a claim


One Fund

As a One Fund customer you can make a claim online using our simple portal or by sending a claim form to us via post.

With both methods there are just 3 steps to making a claim:

Claim online

Step 1

Pay for your treatment and keep your receipt(s).

Step 2

Login to the claim portal by Clicking Here with your reference number to hand and simply attach a picture or scan of your receipt(s). All claims should be submitted within three months of the treatment date.

Step 3

The money will be paid directly into your bank account (less any applicable excess), usually within three days of the claim being received.

Claim by post

Step 1

Pay for your treatment and keep your receipt(s).

Step 2

Send your completed claim form and original receipt(s) to:
The Exeter, Jewry House, Jewry Street, Winchester, Hampshire, SO23 8RZ

To save on postage you may wish to hold on to receipts that are equal to or below the excess amount on optical and dental. You can send these with your next claim. All claims should be submitted within three months of the treatment date.
Step 3

The money will be paid directly into your bank account (less any applicable excess), usually within three days of the claim being received.

If you wish to claim for the counselling or advice helpline please contact 0300 123 3256 or cashplan@the-exeter.com for the appropriate next steps. We’re open Monday to Friday, 9am to 5pm.

Product Document
One Fund Company Paid Download PDF Document One Fund Company Paid - claim form
One Fund Employee Paid Download PDF Document One Fund Employee Paid - claim form

Medicare

The claims form for the Medicare product is detailed below. Once completed please send to:
The Exeter, Jewry House, Jewry Street, Winchester, Hampshire, SO23 8RZ

If you require any support please contact 0300 123 3256 or cashplan@the-exeter.com. We’re open Monday to Friday, 9am to 5pm.

Product Document
Medicare Download PDF Document Medicare - claim form

Health Cash Plan

There are 3 simple steps to making a claim:

Step 1
Pay for your treatment and keep your receipt(s). If you are claiming for a hospital in-patient or day-patient stay where you have this benefit on your plan you will need to get the claims form filled in and stamped by the hospital.
Step 2

Send your completed claim form and original receipt(s) to:
The Exeter, Jewry House, Jewry Street, Winchester, Hampshire, SO23 8RZ

Step 3

The money will be paid directly into your bank account, usually within three days of the claim being received.

If you wish to claim under a Personal Accident, Fracture Cover or Life Cover benefit, where applicable to your plan, please contact 0300 123 3256 or cashplan@the-exeter.com for the appropriate claims form. We’re open Monday to Friday, 9am to 5pm.

Product Document
Premier Health Benefits Healthcare Plan
Medicaid
Health Cash Plan (Choice – Select – Elite)
Health Cash Plan (Gold – Platinum)
Download PDF Document Pre June 2010 - claim form
Health Cash Plan (Everyday – Deluxe – Superior) Download PDF Document Post June 2010 - claim form