Personal health cash plan

Our most comprehensive health cash plan for individuals, our Direct plan gives you everything you need to stay healthy.



per month


Up to 100% claim back


No medical required


Dependent children covered


Tailored benefits


Online & paper claims


Easy to set up

Reclaim 100% of the cost of a wide range of everyday health expenses up to your annual limit, including:
Everyday health & wellbeing


Including sight tests, glasses and contact lenses


Including check ups and routine treatment. Private or NHS



Health Screening

Including mammography & heart disease screening

Specialist Consultation & Tests

Including MRI scans, X-rays and PMI excess

Inoculation / Vaccination

Prevention & fast diagnosis
Professional therapy

A wide range of treatments including:




Plus you’ll also get...



Helping you to access GP services literally at the touch of a button, whether they're at home, in the office, on the road or even abroad.

Click me to enter the Wheres Boly prize draw!

Paycare Perks

Look after your financial health with our discount platform, giving you discounts on cinema tickets, restaurants, family days out and much more!




Paycare Helpline

Supporting your most valuable assets when they need it the most - from a 24 hour counselling service to tax and legal advice.


Health Assessment

Helping you look after their own health and wellbeing, with a simple online questionnaire, and steps to becoming even healthier

Personal Accident Cover

Our health cash plan helps keep you healthy every day, however if the worst does happen we also cover you for disablement and major fractures up to £10,000. Adults under 70 only, for full details please refer to our Personal Accident Cover table.

Redundancy Premium Protection

Should you be made redundant, we'll make sure you’re looked after to help out in this difficult time. We offer our Policyholders up to 6 months’ FREE cover, subject to qualifying criteria

You can choose the right level of cover to suit your budget

Ready to sign up?

It’s quick and easy to set up a Health Cash Plan online

Good for you, good for the community

Paycare is a not for profit organisation, so you will also be helping to support a wide range of good causes!
Am I tied into a contract?
No – all that we ask is that 30 days is given when cancelling the policy ensuring that the policy holders are treated fairly.
Why should I choose Paycare?
We’re proud of the way we do things differently. We’re not for profit, and people are at the heart of everything we do. We give our policyholders fantastic customer service, which is reflected by our most recent Customer Satisfaction Score of over 99%, and on average our policyholders stay with us for a whopping 22 years!
How do I set up my payments?
It’s quick and easy to set up payment to us, it’ll simply require a monthly Direct Debit.
Do I have to pay for additional services like EAP and MyPocketGP?

No. The EAP and MyPocketGP services are included in the cost of the plan, and cover unlimited telephone support as well as up to 6 face to face counselling services.

Savings Calculator

Learn how you could save with Paycare perks!