The Broking Group helps you compare health cash plans that reimburse eligible everyday healthcare expenses, such as dental check-ups, glasses and physiotherapy, subject to the chosen plan’s limits and terms.
Personal and family cash plans cover the people included on the plan. Employer cash plans are arranged for a workforce. If you are comparing plans for employees, see our guide to group cash plan quotes for UK employers.
Entry-level plans carry the lowest annual limits per benefit, so they suit people whose healthcare spend is small and regular rather than large and unexpected.
We arrange cash plans for individuals, families and employers across Cheshire and the wider UK. This page sets out what the cheap end of the market looks like in 2026, what you give up at those price points, and when a budget plan is a false economy.
What sets the price of a cash plan
Premiums are usually set by the level of plan and the age band of the lead policyholder, not by your health or your claims history. Higher levels cost more and pay higher annual limits. Prices change and differ between providers, so we compare current rates for you rather than publish a typical range.
What the cheapest plans leave out
The trade-off at the budget end is the annual cap, not the list of benefits. Entry-level plans still cover dental, optical and physiotherapy in principle, but the caps can be small enough that one course of physiotherapy or a full set of dental work uses up a year's allowance in a single claim. Some plans also apply waiting periods on certain benefits when you first take the policy out, so the check-up you book for next month may not be claimable yet.
A cash plan at any price does not cover private surgery, cancer treatment or specialist consultations for serious conditions. That is Private Medical Insurance territory. If you are weighing up the two, our guide to how health cash plans compare with PMI sets out the difference side by side.
When a cheap plan is worth it
A budget plan earns its keep when you already spend on the things it reimburses. If you pay for a dental check-up, an eye test or a physio session in a normal year, the cash back offsets money you were spending anyway. Compare the annual limits at each level against the yearly premium to find where the plan pays back.
The plans with the weakest value are the ones bought for benefits the policyholder never uses. Before taking any plan, total what you spent on dental, optical and therapy in the last twelve months, then check the caps and the waiting periods against it. That five-minute exercise answers the cheap-versus-worthless question better than any comparison table.
How The Broking Group prices a cash plan
We compare cash plans from Health Shield, Medicash, Simplyhealth and Westfield Health. We match the level of plan to what you actually claim, not the most expensive policy on the shelf, and the advice costs you nothing. Call 01270 694939 or request a quote and we will come back with the numbers in plain English.