BSL Protect

Medical cash plans & advice

Medical Cash Plan

The Medical Cash Plan is easy to use and covers your everyday health expenses such as dental check-ups, eye tests, and therapy sessions.

What is a Medical Cash Plan

Health cash plans have become increasingly popular in recent years due to the rising costs of various healthcare treatments, such as dental, optical and alternative therapies. It is recommended that now is the perfect time to consider taking out a healthcare cash plan as healthcare costs are expected to continue to rise.

These plans tend to focus on a specific area of healthcare and offer a range of benefit levels, each with different degrees of coverage and premium costs. Our Medical Cash Plan, for example, has been recommended as one of the “top picks” on Martin Lewis’s Money Saving Expert website. With our plan, you pay a monthly premium based on your chosen benefit level and can claim cash back up to the maximum amount covered once your treatment is complete.

Our Medical Cash Plan provides comprehensive coverage, including treatment for dental, optical, physiotherapy, osteopathy, and even specialist consultations (including PET, CT, and MRI scans). With four different levels of coverage, Bronze, Silver, Gold and Platinum, you can select the one that best suits your needs. Download our guide or read more about our plans below and let us help you get the coverage you need.


To request for a Medical Cash Plan, we kindly ask that you download and meticulously read through the Policy Document, Insurance Product Information Document, and About our Insurance Services documents provided below.

Subsequently, we urge you to proceed and fully complete the application form in line with the guidelines laid out in the aforementioned documents. We remain open to answering any and all inquiries you may have regarding this process. Thank you for considering us.

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 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.

Cover Your Children For Free!

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

Add Fracture Cash Cover To Your Plan

You can choose the optional fracture benefits bolt-on for your plan, paying £350 per fracture.

This coverage includes fractures for the leg (including the femur, tibia and fibula), vertebral body, pelvis, skull, vertebra, lower jaw, breastbone (sternum), shoulder blade (scapula), kneecap (patella), clavicle (collar bone), arm (including the humerus, radius and ulna), ankle, wrist, hand*, foot*, coccyx, rib(s), and nose. Coverage excludes all fingers and toes. Please note that fracture coverage does not begin until day 16 of your policy. For a full list of benefits, please refer to the policy document.

What's Not Included In This plan?

These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.

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:

Frequently Asked Questions


You might have to wait before you can use some of the benefits. You can find all the information about this in the Policy Document. Also, you don't have to pay any extra money for this plan.


You need to be aged between 16 and 69 years old and live in either the UK, Isle of Man or Channel Islands.


If you had a health problem before getting this plan, it won’t be covered unless you didn’t have any symptoms or treatment for it for two years since the plan started. This doesn’t include dental or eye care.