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

We’re here to support Orchard Healthcare Members.

We know that Orchard Healthcare are an unincorporated mutual association who have been providing products to both individual and
corporate members, throughout their 100-year history. When we were made aware that there were plans for the organisation to be dissolved in December 2023, with the support of the FCA, our Board and the Paycare Leadership team, we’ve offered to step in to support members.

With a Paycare Health Cash plan, you can 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

A little more about Paycare

Founded in 1874 by the foremen of some of Wolverhampton’s largest factories, in a bid to protect their employees from crippling medical bills, Paycare has since grown to become one of the most respected health cover providers in the UK. As a not-for-profit organisation, we’re committed to 3 things: our Policyholders, the communities we serve and our fantastic team. Paycare’s product is different to Orchard Healthcare’s. Members who are looking to apply should review our product information carefully to make sure that it meets their needs.

We’re excited to welcome applicants from Orchard’s Membership, who choose to apply, to the Paycare fold. If you have any queries, please get in touch or you can go ahead and complete your application below and we’ll be in touch soon.

While Paycare is also a not-for-profit insurer, our product is different to Orchard Healthcare’s and you should review our product information carefully to make sure that it meets your needs.

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!