The everyday health cash plan
This plan covers the whole family – you, your spouse/partner and your children (under 18 living with you) all for one monthly cost. Under this plan, you share the benefits between you.
You can choose from either our Primary Schemes which cover up to 50% of the value of the receipts or one of our Extra Cover Schemes which cover up to 100% of the value of the receipts. Cover under this plan is subject to medical underwriting.
HSF Perkbox is also included in this plan. It is an online benefit exclusive to HSF health plan policy holders and gives access to a range of discounts at the cinema, gym and a number of well-known high street stores.
Download brochure including full terms and conditions
Download summary of the key information relating to this policy (IPID)
Our Benefits – at a glance
Spouse/Partner and dependent children (under 18) – Covered at no extra cost! For full details please see our Terms & Conditions which can be downloaded via the link at the end of the table.
Monthly Cost
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Spouse/Partner and dependent children (under 18) covered at no extra cost.
Spouse/Partner and dependent children (under 18) covered at no extra cost.
Scheme P1
£7.75
Scheme P2
£15.50
Scheme P3
£22.00
Scheme P4
£29.50
Scheme P5
£36.50
Scheme PA
£47.50
Scheme PB
£63.50
Scheme PC
£80.00
Scheme PD
£94.50
Dental & Optical
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Dental and Optical
Help towards the cost of all dental treatment including check-ups, and the cost of a sight test and optical appliances, up to the maximum shown.This benefit may be used flexibly according to requirements for both categories. It is payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
The cost of Eye Laser Treatment, Implantable Contact Lenses (to correct long or short sightedness) and assessments is included in Primary Schemes 3, 4, 5 and all Extra Cover Schemes.
Qualifying period – 12 months.
Dental Trauma
For details on Dental Trauma, please refer to the Personal Accident Section.
Dental and Optical
Help towards the cost of all dental treatment including check-ups, and the cost of a sight test and optical appliances, up to the maximum shown.This benefit may be used flexibly according to requirements for both categories. It is payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
The cost of Eye Laser Treatment, Implantable Contact Lenses (to correct long or short sightedness) and assessments is included in Primary Schemes 3, 4, 5 and all Extra Cover Schemes.
Qualifying period – 12 months.
Dental Trauma
For details on Dental Trauma, please refer to the Personal Accident Section.
£50
£100
£200
£275
£350
£400
£550
£700
£850
Dental Trauma
£250
£375
£500
£625
£750
£1,000
£1,250
£1,500
£2,000
Practitioner
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Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy, Chiropody / Podiatry
Help towards the cost of consultation and treatment (not including medication or appliances) by a qualified and registered practitioner up to the maximum shown.This benefit may be used flexibly according to requirements for all categories. Payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy, Chiropody / Podiatry
Help towards the cost of consultation and treatment (not including medication or appliances) by a qualified and registered practitioner up to the maximum shown.This benefit may be used flexibly according to requirements for all categories. Payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
£100
£200
£300
£400
£500
£600
£800
£1,000
£1,200
Specialist and Investigations
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Specialist and Investigations
Help towards the cost of specialists’ consultation fees, allergy testing, vaccination, health screening, pathology tests, x-rays, scans, electrocardiograms and other investigations listed in the rules, all undertaken on an outpatient basis, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
Specialist and Investigations
Help towards the cost of specialists’ consultation fees, allergy testing, vaccination, health screening, pathology tests, x-rays, scans, electrocardiograms and other investigations listed in the rules, all undertaken on an outpatient basis, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
£200
£400
£600
£700
£800
£1,200
£1,400
£1,600
£1,800
Birth Grant / Adoption Grant
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Birth and Adoption Grant
Payable to the policyholder, whether the mother or father of the baby, for each registered birth in hospital or at home. Hospital benefit is payable for the mother in addition to the grant from the sixth night onwards. The grant is also payable for a registered adoption up to the age of 10.
Qualifying period – 10 months.
Birth and Adoption Grant
Payable to the policyholder, whether the mother or father of the baby, for each registered birth in hospital or at home. Hospital benefit is payable for the mother in addition to the grant from the sixth night onwards. The grant is also payable for a registered adoption up to the age of 10.
Qualifying period – 10 months.
£100
£200
£300
£400
£500
£600
£800
£1,000
£1,200
Hospital
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Hospital
General Admission: For an inpatient admission to a hospital or hospice to receive medical treatment. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months.
Qualifying period – 3 months.
Accident: For an inpatient admission to a hospital immediately following an accident. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months.
No qualifying period.
Elderly and Mental Illness: For an inpatient admission to a hospital for elderly medical care / long stay / rehabilitation / respite / GP care or for a mental illness. Payable to each eligible registered person for up to 50 nights elderly and 50 nights mental illness from first registration, but not for more than 40 nights in a 12 month period.
Qualifying period – 3 months.
Hospital
General Admission: For an inpatient admission to a hospital or hospice to receive medical treatment. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months.
Qualifying period – 3 months.
Accident: For an inpatient admission to a hospital immediately following an accident. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months.
No qualifying period.
Elderly and Mental Illness: For an inpatient admission to a hospital for elderly medical care / long stay / rehabilitation / respite / GP care or for a mental illness. Payable to each eligible registered person for up to 50 nights elderly and 50 nights mental illness from first registration, but not for more than 40 nights in a 12 month period.
Qualifying period – 3 months.
£16
£32
£50
£66
£80
£75
£100
£120
£150
Recuperation
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Recuperation
Following each stay in a hospital or hospice for which benefit has been paid for a minimum of 7 nights, a recuperation grant is payable for each eligible registered person.
Recuperation
Following each stay in a hospital or hospice for which benefit has been paid for a minimum of 7 nights, a recuperation grant is payable for each eligible registered person.
After 7 nights
£40
£80
£100
£120
£150
£150
£180
£225
£300
After 15 nights
£60
£120
£150
£170
£200
£225
£255
£300
£360
Day Case Surgery and Treatment
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Day Case Surgery and Treatment
For a planned admission to occupy a bed for a day in a hospital or clinic to undergo surgery, treatment or a procedure. Limited to 8 occasions within any 12 consecutive calendar months for each eligible registered person.
Qualifying period – 3 months.
Day Case Surgery and Treatment
For a planned admission to occupy a bed for a day in a hospital or clinic to undergo surgery, treatment or a procedure. Limited to 8 occasions within any 12 consecutive calendar months for each eligible registered person.
Qualifying period – 3 months.
£16
£32
£50
£66
£80
£75
£100
£120
£150
Home Care Assistants and Home Help
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Home Care Assistants and Home Help
Short term assistance towards the cost of Local Authority services and some privately arranged assistance with organisations if supported by a doctor, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
Home Care Assistants and Home Help
Short term assistance towards the cost of Local Authority services and some privately arranged assistance with organisations if supported by a doctor, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period – 3 months.
£125
£250
£375
£500
£625
£750
£1,000
£1,250
£1,500
Personal Accident
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Personal Accident Benefit
All claims must be submitted within 6 months of the accident occurring.
Permanent Disability: A lump sum payment depending upon the type and degree of permanent disability following an accident.
Facial Disfigurement: A lump sum payment for permanent facial disfigurement as a result of an accident.
Accidental Death: A lump sum payment if the accident is fatal.
Dental Trauma: A lump sum payment for dental treatment required as a direct result of a blow to the head.
Temporary Disability: Not applicable to children under 16 years of age. A weekly sum payable (normally by direct credit, monthly in arrears) if following an accident, you are: a) unable to take up your normal paid occupation or any other paid employment; or b) confined to the home (applicable only if you are not in paid employment at the time of the accident) as certified by a qualified medical practitioner. Payable from the 31st day of your disability for up to 52 weeks. Odd days will be paid at 1 ⁄ 7 of the weekly rate.
Although there is no waiting period under this section, the Temporary Disability benefit is not payable for the first 30 days (Deferment Period) of each period of temporary disablement.
Fracture Benefits: A lump sum payment for a fracture or fractures to one or more bones of the arm or leg following an accident.
Personal Accident Benefit
All claims must be submitted within 6 months of the accident occurring.
Permanent Disability: A lump sum payment depending upon the type and degree of permanent disability following an accident.
Facial Disfigurement: A lump sum payment for permanent facial disfigurement as a result of an accident.
Accidental Death: A lump sum payment if the accident is fatal.
Dental Trauma: A lump sum payment for dental treatment required as a direct result of a blow to the head.
Temporary Disability: Not applicable to children under 16 years of age. A weekly sum payable (normally by direct credit, monthly in arrears) if following an accident, you are: a) unable to take up your normal paid occupation or any other paid employment; or b) confined to the home (applicable only if you are not in paid employment at the time of the accident) as certified by a qualified medical practitioner. Payable from the 31st day of your disability for up to 52 weeks. Odd days will be paid at 1 ⁄ 7 of the weekly rate.
Although there is no waiting period under this section, the Temporary Disability benefit is not payable for the first 30 days (Deferment Period) of each period of temporary disablement.
Fracture Benefits: A lump sum payment for a fracture or fractures to one or more bones of the arm or leg following an accident.
Permanent Disability
£5,000
£7,500
£10,000
£12,500
£15,000
£20,000
£25,000
£30,000
£40,000
Accidental Death
£2,500
£3,750
£5,000
£6,250
£7,500
£10,000
£12,500
£15,000
£20,000
HSF Assist ®
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HSF PerkBox
*Money saving offers, discounted gym membership, special priced cinema tickets, everyday shopping discounts, plus much more. Internet connection and email required for access. *Please note that offers are subject to change.