There is a three month qualifying period for benefit which means that you can claim for treatment and services you receive three months after your date of enrolment. Benefit is not payable for treatment or services you receive before you enrol or during your first three months of membership. The qualifying period for claims relating to pregnancy or childbirth is twelve months.
No, you are free to choose any practitioner who meets the requirements stated in the Benefit & General Conditions.
Unfortunately, we are unable to pay benefit for any medical condition which exists before the date on which you enrol as a member of WHA. This exclusion does not apply to optical or dental benefits.
No, you can make as many claims as you like and your payments will remain the same.
You can claim for hospital inpatient treatment if you spend at least 24 hours in a recognised hospital. The maximum benefit can be claimed once every two years, starting from your admission date.
You must submit your claim within six months of discharge and if you transfer between hospitals without being discharged, your claim continues seamlessly.
The documents you’ll need depend on the type of claim you’re making. Generally, you’ll need receipts for your treatments, or medical certificates. For hospital treatment claims, we’ll also need a discharge summary. Please ensure that all receipts or documents show the name of the person claiming for the treatment, they must be clearly identifiable. Check your Benefit & General Conditions for full details on what’s required or get in touch with us if you're unsure!
Yes, you can! To make things easier for you, we can pay your claims directly into your bank account. Just contact our customer service team and we’ll set it up for future claims. It’s quick, secure, and hassle-free.
Yes, you can adjust your level of cover at any time to suit your needs. For our Direct Plan, you must be under 70 years of age to enrol or increase your subscription. If you're enrolling for a partner’s scheme or wish to increase your partner’s subscription, they must also be under 70 years of age. For our Healthcare Plans, the age limit is 65, so you must be under 65 to enrol or increase your subscription, and your partner must also be under 65 if they’re included.
Just reach out to our customer service team, and we’ll guide you through the process. Any changes will be confirmed in writing, and we’ll send you all the details of your updated coverage. If you have any questions, we’re always here to assist!
We aim to process all claims within 48 working hours of receiving them. If we need additional information from you, the process may take a little longer, but we’ll keep you informed. You can always contact us for an update to know the status of your claim.
Unfortunately, we don’t offer refunds for unused benefits. However, we encourage you to use your benefits. If you need more information about your plan’s renewal or how to maximise your benefits, feel free to contact us, we’re here to help!
If you miss a payment, your coverage may be temporarily suspended until we receive your payment. Don’t worry, we’ll contact you if we notice any missed payments. To avoid this, we recommend setting up a direct debit or reviewing your payment schedule. If you have any concerns, please get in touch, and we’ll assist you.
No, your payments are not linked to your age and once you are a member you can continue membership to any age, without restriction.
There are no hidden conditions designed to catch you out. The full Benefit & General Conditions are written in plain language for you to read. Provided that claims meet the relevant conditions, we will be able to pay you the benefit which is due.
No. WHA was founded in 1948 and it doesn’t have any shareholders and all profits are retained within the company to ensure subscriptions are kept low.
Simply, join online. Choose the plan that best fits your needs and you’re all set to enjoy the myriad of benefits of being part of the WHA family.
Martin Lewis, renowned for his money-saving expertise, has independently recommended us for our health cash plan cover. We did not pay for this endorsement; he selected us as one of the best cash plan providers based on our merits.
Making a claim with us is simple! You can choose to complete an online claim form or fill out a paper form and send it to us by post. Just make sure to include any necessary documents, like receipts, medical certificates, or prescriptions. Please ensure that the receipt is clearly identifiable and shows the full name of the person who received the treatment. Once we receive your claim, we'll start processing it and keep you updated every step of the way. If you have any questions or need help, don’t hesitate to get in touch, we’re here to support you!
At WHA Healthcare, we want to support your health and well-being with a variety of claim options. You can submit claims for services like dental, optical, physiotherapy, chiropractic care, and more. For a full list of what’s covered, check your plan’s Benefit & General Conditions. If you're unsure about what’s included, we’re happy to help clarify!
If your child is under 18, they’re covered under your subscription for hospital inpatient, outpatient, and specialist consultation benefits at special rates. Once they turn 16, they can be covered for adult benefits if the appropriate subscription is paid. In this case, child benefits will no longer apply. This applies only to our healthcare plans. If you’re unsure about how to submit a claim for your child, feel free to contact us, we’re here to help!
We offer benefits for treatment received anywhere in the United Kingdom. If you need emergency hospital treatment while temporarily abroad, you can also claim for hospital inpatient and outpatient benefits, as well as personal accident benefits. Please note, other benefits aren’t available during temporary absence abroad. If you’re unsure about what’s covered while you're away, we’re happy to help clarify any details!
Your cash plan offers a variety of benefits, including dental care, optical treatments, physiotherapy, and more. The specifics of what’s covered depend on the plan you’ve selected. For a complete list of benefits, check your Benefits Table Plan, or contact us if you have any questions!
We offer a variety of plans to meet different healthcare needs, whether you’re looking for dental, optical, physiotherapy, chiropractic, or other healthcare treatments. Our plans cater to individuals and families, with options designed to offer flexibility and the right level of cover.
To help you find the best plan for you, you can refer to our Benefit & General Conditions for detailed information on what's included in each plan. You’ll find specifics on the types of treatments covered, as well as any limits or exclusions that apply.
If you're still unsure, our customer service team is always ready to guide you through your options. We're here to ensure you get the best coverage for your needs!
Yes, each plan has specific exclusions and limits. For example, pre-existing conditions may not be covered, or there may be treatment limits depending on your plan. You can find the full details in your Benefit & General Conditions, or feel free to reach out to us if you need help understanding any exclusions.
If you have any cash plan FAQs, please feel free to contact us. Your question may be added to our list above.
WHA Healthcare, WHA House, Greenwood Close, Cardiff Gate Business Park, Cardiff, CF23 8RD
