Simplyhealth Health Plan: What It Covers and How to Get a £10 Voucher

Last updated: 8 June 2026

This page contains an affiliate or referral link. If you join through it, both you and I may receive a £10 voucher at no extra cost to you. It does not affect my editorial view, and this page is information, not financial or medical advice.

What is a Simplyhealth health plan?

A Simplyhealth health plan is a health cash plan rather than private medical insurance. In practice, you pay a fixed monthly premium and then claim back a portion of what you spend on everyday health costs, up to an annual limit for each category. You pay the dentist or optician as normal, submit a receipt through the Simplyhealth app, and the money is paid into your bank account once the claim is approved.

Plans come in tiers, so the monthly premium and the annual claim limits rise as you move up the levels. Because the costs and limits change over time, it is worth checking the current tiers and prices on the Simplyhealth website before you join.

What does it cover?

A Simplyhealth health plan typically lets you claim towards the following, up to the limits on your chosen tier:

• Dental: check-ups, hygienist visits, fillings, crowns and dentures, NHS or private.
• Optical: eye tests, prescription glasses and contact lenses.
• Therapies: physiotherapy, osteopathy, chiropractic and acupuncture.
• Prescriptions and more: in England you can claim back NHS prescription charges, and 24/7 access to a GP by phone or video is often included.

On most plans, dental and optical costs are reimbursed in full up to the limit, while therapies are reimbursed at a lower percentage. The exact percentages and limits depend on your tier, so check your plan documents.

Who a health cash plan may suit

A health cash plan may suit you if you regularly pay for dental check-ups, eye tests, glasses or physiotherapy, and you would like to spread and partly recover those costs through a fixed monthly payment. It tends to suit people who use routine healthcare predictably, where the yearly claims can outweigh the premiums.

It may be less worthwhile if you rarely visit the dentist or optician, since you could pay more in premiums than you claim back. It is also not a substitute for private medical insurance, which covers the cost of private treatment for illness, nor for NHS care. As with any cover, it is worth doing the sums for your own situation first.

The £10 refer-a-friend voucher

Simplyhealth runs a refer-a-friend scheme. When you join through a referral, both you and the person who referred you receive a £10 online shopping voucher. Here is how it works.

1. Join through the referral link. Use the link above and enter policy number SHCSD1086056 when Simplyhealth asks for it during sign-up.
2. Pay your first premium. The voucher is triggered once your first monthly payment is taken.
3. Redeem within 14 days. You will get an email with a code to redeem your £10 voucher, so keep an eye on your inbox.

Join Simplyhealth via our link

Is Simplyhealth regulated?

Yes. Simplyhealth is a trading name of Simplyhealth Access, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is registered in England and Wales (company no. 00183035), with its registered office in Andover. CoolCuration is not authorised by the Financial Conduct Authority and does not give personalised advice.

Where to get impartial guidance

A health cash plan is just one way to budget for routine health costs, so it is sensible to compare it against simply paying as you go or using NHS support. For free, impartial guidance on health cover, see MoneyHelper. For help with NHS dental, optical and prescription costs, see the NHS help with health costs pages.

Frequently asked questions

Is a Simplyhealth health plan the same as health insurance?

No. It is a health cash plan, which pays you back a set amount towards routine costs like dental and optical care. Private medical insurance is different, as it pays for private treatment of illness and injury. The two cover different things.

How much does a Simplyhealth health plan cost?

It depends on the tier you choose, as higher tiers carry higher premiums and higher annual claim limits. Because prices change, check the current tiers on the Simplyhealth website before joining.

How do I get the £10 voucher?

Join through the referral link and enter policy number SHCSD1086056 when prompted, then pay your first premium. You will receive an email with a code to redeem a £10 shopping voucher, which you need to redeem within 14 days.

How do claims work?

You pay the dentist, optician or therapist yourself, then submit a receipt through the Simplyhealth app. Once the claim is approved, the money is paid into your bank account, up to your plan's annual limits.

Can I have a health cash plan alongside the NHS?

Yes. A health cash plan sits alongside NHS care and helps with the routine costs you would pay anyway, such as dental work, glasses and physiotherapy. It does not replace the NHS.

Disclaimer

This page is for information only and does not constitute financial or medical advice. A Simplyhealth health plan is a health cash plan, not private medical insurance, and it does not replace NHS care. Premiums, claim limits, cover and offer terms can change, so always check the current details with Simplyhealth before joining, and consider whether the plan fits your circumstances. This page contains a referral link; if you join through it, both you and I may receive a £10 voucher at no extra cost to you, and it does not affect my editorial view.

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