The Top 4 Everyday Health Cash Plans Currently on the Market
Let’s face it, healthcare isn’t cheap, and waiting lists aren’t getting any shorter.
More and more employees are paying out of pocket for things like dental check-ups, physio, eye care, or private GP access, just to stay healthy and keep up with life.
As an employer, you want to support your team, but full-blown private medical insurance isn’t always feasible. That’s where Health Cash Plans (HCPs) come in.
They’re simple, affordable, and increasingly popular. But if you’ve never looked into one before, you might be wondering…
What Is A Health Cash Plan (HCP)?
A Health Cash Plan is a practical employee benefit that helps people claim money back on everyday healthcare costs, like dental work, eye tests, physiotherapy, and more.
It's not private health insurance. It's designed to be accessible healthcare support that helps employees stay on top of their health and avoid long-term issues.
Most HCPs also include virtual GP appointments, wellbeing extras, and cover for children at no extra cost, making it a smart way to care for your team without overloading your benefits budget.
Why It Matters Now More Than Ever
As of 2023, 4.68 million people in the UK (around 1 in 8) have private medical insurance, most of it provided through employers. But that still leaves the vast majority of working people without full coverage, and when it comes to everyday essentials like dental check-ups, eye care, or physiotherapy, many are footing the bill themselves.
That gap in access has real consequences. 21% of adults say they’ve delayed or avoided healthcare altogether due to cost pressures. For employers, that means minor health issues can escalate into long-term problems, leading to more time off work and declining employee wellbeing.
A Health Cash Plan helps close that gap. It turns everyday health expenses into manageable, reimbursable claims - so your team can get the care they need, when they need it, without putting it off due to cost.
What Makes a Great Health Cash Plan?
With so many options out there, we’ve used our industry knowledge to break down what the best plans typically include. The strongest Health Cash Plans usually offer:
- Money back on everyday services – like dental, optical, physio, and more.
- 24/7 private GP access and prescriptions – no waiting rooms required.
- Child cover included – to protect the whole family at no extra cost.
- Optional partner cover – showing care beyond the employee.
- Wellbeing extras – like sports massage or Indian head massage.
- An easy-to-use app – fast claims and digital access to benefits.
- Minimal admin for HR – with full support from us throughout.
Talk to us
If you would like to find out more about our solutions, get in touch.
The 4 Health Cash Plan Types Worth Knowing
We’ve reviewed the best options on the market and grouped them into four types based on the real needs we see in businesses every day. Here's what each one offers, and why we recommend them.
1. The All-Round Performer
This plan does a bit of everything and does it well. It's ideal for companies that want broad, dependable health support without getting too complex.
Why we selected it:
It offers solid coverage across all the key areas, plus a few extras that add real value without driving up cost.
Pros:
- Covers dental, optical, physio, and some specialist care.
- Extras like reflexology or acupuncture.
- Quick and easy claims via app.
- Includes support for children.
Best for: Companies looking for a reliable, all-in-one benefit
2. The Family-Focused Option
Some plans are built with families in mind. This type gives employees peace of mind that their loved ones are looked after too, without extra hassle or hidden costs.
Why we selected it:
It offers generous child cover, discounted partner add-ons, and strong emotional wellbeing tools, all with the family in focus.
Pros:
- Free cover for children.
- Discounted partner add-on options.
- Mental health and wellbeing support included.
- Whole-family focus to boost peace of mind.
Best for: Employers with working parents or family-first cultures
3. The Holistic Health Champion
If your wellbeing strategy looks beyond basic check-ups, this plan’s for you. It supports emotional and preventative care through a range of complementary treatments.
Why we selected it:
It includes extras like hypnotherapy, massage and mental health services, perfect for nurturing long-term wellbeing.
Pros:
- Holistic treatments and preventative tools.
- Encourages proactive health habits.
- Strong mental wellbeing benefits.
Best for: Employers promoting whole-person wellness
4. The Digital-First Experience
For modern, mobile-savvy teams, convenience matters. This type of plan puts everything in an app, from claims to GP appointments, perfect for remote or hybrid teams.
Why we selected it:
It’s fast, intuitive, and designed for today’s digital-first workforce.
Pros:
- Virtual GP, prescriptions, and health tools via app.
- Simple, fast digital claims.
- Great for remote or flexible teams.
- Built-in wellbeing tools like menopause support and mental health check-ins.
Best for: Tech-forward or geographically dispersed teams
Why Trust Bravo Benefits?
We’ve supported hundreds of businesses in finding the right plan for their teams. When you partner with us, you get:
- Clear, expert support from our Consultants (no jargon, no guesswork).
- Ongoing support from our Client Success Managers from selection through to rollout and beyond.
- Comms help to get your employees engaged and using the plan.
- Minimal admin for HR - we handle the day-to-day running.
The Smart, Simple Way to Support Your Team
Great Health Cash Plans don’t just cover costs; they empower employees to take charge of their health, reduce time off work, and feel more cared for.
Let us help you find the right plan. We know what’s out there. We know what works. And we’re here to make it easy. Contact us today to find out more.
