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Affordable Health Cover

Affordable Health Cover That Works for Everyday Needs

We all know that life rarely goes to plan, especially when it comes to our health. A chipped tooth, a new pair of glasses, or a sore back that just won’t go away can throw both your routine and your budget off track. That’s where affordable health cover really makes a difference.

At WHA Healthcare, we believe everyone deserves access to everyday healthcare without waiting lists, hidden clauses, or expensive private insurance. We’re here to offer a trusted, simple alternative to traditional health insurance. It’s called a cash plan, but we like to call it what it really is: health cover that works for you.

What Is Health Cover, and Why Does It Matter?

Health cover is financial support to help pay for everyday health costs the things we all need but often put off because of the price. Dental check-ups, eye tests, physiotherapy, chiropody, these are essential services, but they’re not always affordable upfront.

While private medical insurance (PMI) focuses on hospital stays and specialist referrals, health cover from WHA Healthcare supports the costs of routine care. It means you can stay on top of your health and avoid small issues turning into big problems.

In fact, between 2022 and 2024, private dental treatment costs in the UK increased significantly, with simple tooth extractions rising by 32% and routine check-ups by 14.6%, according to research by MyTribe Insurance. This sharp rise in costs makes affordable health cover more relevant than ever, helping people manage essential health expenses without financial strain.

A Not-for-Profit Approach to Health Cover

Unlike large insurers, WHA Healthcare is not-for-profit. That means we put people first, not shareholders. For over 75 years, we’ve supported families, individuals and businesses across the UK with simple, reliable health cover.

We don’t offer complex packages or confusing exclusions. Our health cover is designed to be clear, supportive, and easy to use, so you can focus on feeling your best, not worrying about the fine print.

What Can You Claim With WHA Health Cover?

With WHA’s health cover, you can claim back money towards:

Dental check-ups and treatments
Eye tests, glasses and contact lenses
Physiotherapy and osteopathy
Chiropody treatments
Specialist consultations
Hospital stays and more

Our plans are flexible and affordable – perfect for individuals, couples, or families who want control over their healthcare without the high premiums of traditional insurance.

WHA vs Bupa and Aviva – What Makes Us Different?

We know there are big names out there. But WHA Healthcare isn’t trying to be Bupa or Aviva. And that’s a good thing. While private insurers focus on large-scale hospital treatment, we’re focused on your everyday needs, the ones that often get overlooked.

No medical exams required
No long approval processes
No big monthly premiums
No hidden fees or small print

At WHA, we’re upfront about what we cover. That transparency builds trust, which is why so many of our members stay with us for years.

For a detailed comparison, see our guide on Cash plans vs Health Insurance.

Who Is WHA Health Cover For?

Our affordable health cover is ideal for:

Families who want peace of mind for common health costs
Self-employed professionals without employer cover
Retired individuals managing their own healthcare needs
Businesses who want the best for their workforce and less sick days
Anyone who values simplicity, transparency, and dependable service

And because we’re not-for-profit, your premiums go further supporting you, not corporate bonuses.

Example of Sarah’s Story

Imagine you’re Sarah, a self-employed graphic designer from Cardiff, recently in need of new glasses and a physio session after a shoulder strain. With WHA Healthcare’s affordable health cover, Sarah can claim back the full cost of her eye test and part of her physio treatment, within days.

Frequently Asked Questions

What is affordable health cover?

Affordable health cover helps you claim back money on everyday healthcare like dental, vision, physio, and more, without the high costs of private insurance.

Is there an alternative to private medical insurance in the UK?

Yes, WHA Healthcare offers not-for-profit health cover that focuses on everyday care, not just hospital stays, with no medical exams or long contracts.

Can I get money back for dental or glasses with health cover?

Absolutely. WHA’s health cover includes money back on dental treatment, eye tests, glasses, and contact lenses, plus much more. (Terms and Conditions apply).

Who offers the most affordable health cover in the UK?

WHA Healthcare is one of the UK’s most affordable and trusted providers of everyday health cover, especially for families, self-employed people, and retirees.