What Is a Healthcare Cash Plan?
A Healthcare Cash Plan is an affordable employee benefit where staff can claim back the cost of everyday health expenses, such as dental check-ups, eye tests, physiotherapy, or specialist consultations up to a set annual limit.
Unlike private medical insurance, these plans focus on preventative and routine care rather than costly hospital treatments.
For not-for-profit organisations, they’re a cost-effective way to enhance employee wellbeing while staying within budget. According to CharityComms. Employee Benefits and Retention area, competitive employee benefits help retain top talent even when salaries can’t match corporate rates.
Why Not-for-profits Should Consider Healthcare Cash Plans
1. Affordable Health Support
Healthcare Cash Plans are often far less expensive than private medical insurance. Monthly premiums can be under £10 per employee, making them budget friendly for charities, NGOs, and social enterprises.
2. Boosts Recruitment and Retention
In sectors where salaries are typically lower than corporate roles, a strong benefits package can help you stand out. According to the NCVO – UK Civil Society Almanac, 70% of not-for-profit staff rate wellbeing support as “very important” in job satisfaction.
3. Encourages Preventative Care
By covering routine health costs, these plans encourage employees to take proactive steps with their health, helping to reduce sick days and maintain productivity.
4. Flexible for All Staff Levels
Many providers allow cover so benefits can be extended to part-time workers, volunteers, or specific teams without the cost burden of full private insurance.
How They Work for Not-for-Profits
- Choose a plan – Our dedicated Business Executive can help you work through the level of cover we offer for your budget and staff needs.
- Employee books and pays – Staff arrange their appointment and pay for the treatment.
- Claim is reimbursed – The provider refunds the eligible cost, often within a few days.
Example:
A staff member needs glasses costing £120. Their plan covers up to £150 every two years for optical expenses. They submit the receipt online and get £120 refunded directly to their account, with WHA Healthcare, we provide a no fuss payout that makes a real difference. The remaining balance of £30 can be used towards another optical claim when needed.
Key Features HR Leaders Should Look For
- Coverage for everyday healthcare such as dental, optical and physiotherapy,
- 24/7 health helplines for quick access to advice
- Family cover options where dependents can be supported
- Simple claims process with online submissions for ease
Healthcare Cash Plans vs Other Employee Benefits
| Feature | Healthcare Cash Plans | Private Health Insurance | Wellbeing Allowance |
| Covers everyday costs | ✔️ | X | ✔️ |
| Preventative care focus | ✔️ | X | ✔️ |
| Hospital treatment | X | ✔️ | X |
| Cost per employee/month | Low (£5–£15) | High (£30–£150+) | Variable |
| Suitable for part-time staff | ✔️ | Sometimes | ✔️ |
Tax and Compliance Considerations
In the UK, most employer paid healthcare cash plan premiums are considered a taxable benefit in kind. HR teams should ensure payroll and HMRC reporting is accurate. More information can be found on the HMRC Benefits and expenses: health insurance, medical treatment and dental treatment guidance page.
Choosing the Right Provider
When evaluating providers, not-for-profit HR leaders should:
- Check provider reputation by using platforms like Trustpilot Reviews
- Ask about charity discounts as some providers may offer preferential rates for the not-for-profit sector
- Ensure easy enrolment is a smooth sign-up process increasing staff uptake
- Confirm UK wide cover, which is essential for organisations with regional or remote teams
What is a Cash Plan Common Questions
Do these plans replace private medical insurance?
No. They complement it. Healthcare Cash Plans cover everyday health costs, while private insurance covers specialist and hospital care.
Can part-time staff join the plan?
Yes, most providers allow part-time and flexible workers to join.
How quickly are claims paid?
WHA Healthcare aim to reimburse within 48 working hours.
How to Introduce One in Your Not-for-profit
- Find out which benefits matter most by running a staff survey
- Set a per-head budget with your finance team
- Balance coverage and cost and then choose the right cash plan provider
- Share benefit summaries and FAQs by communicating clearly to your teams or, contact our dedicated Business Executive, Conan who can help you.
For not-for-profit organisations, WHA Healthcare healthcare cash plans are a simple, affordable, and flexible benefit that shows staff they’re valued. They can help HR leaders boost recruitment, retention, and wellbeing without over-stretching budgets.
With clear, no hidden clause plans and a dependable, approachable team, WHA Healthcare makes everyday healthcare accessible for all.
