Simplyhealth health insurance review: Pros, cons and cover options

Simplyhealth health insurance review

Find out what's covered by Simplyhealth insurance, what's excluded, pros and cons of the service and how to make a claim.

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Who is Simplyhealth?

Simplyhealth is helping around 4 million members cover the cost of medical treatments across the UK through its Simplyhealth plan private health insurance.

What’s included with the Simplyhealth plan?

With this policy, you won’t be covered for private in-patient or day-patient treatment.

However, the Simplyhealth plan will give you money back to help cover the cost of various everyday health treatments. Plus, you receive 24/7 access to expert health advice over the telephone.

There are four levels of cover to choose from. The monthly premium for each level of individual cover is listed below. The table also illustrates how much cover you’ll get per person per year with each level.

Cover availableLevel 1 (£7.50)Level 2 (£20)Level 3 (£30)Level 4 (£40)
24/7 GP appointments, telephone counselling and online physio assessments
Dental treatment£100£150£200
Optician fees£100£150£200
Physiotherapy, osteopathy, chiropractic and acupuncture£50£150£250£350
Podiatry and reflexology£100£150£200
Prescription medication£20£30£40£50
Daily cost of hospital stays*£20£20£20

*Maximum of 20 days per year

Can you add family members onto your policy?

Yes, you can add your partner onto your account. If you do, your monthly premium will double.

You can also add up to four of your children, provided they’re aged under 18. It only costs an extra £1.50 a month to do that.

    How to make a claim on your Simplyhealth plan

    You can make a claim after your treatment is completed via the Simplyhealth website or mobile app.

    You’ll need to upload a picture of an itemised receipt, including your name, the date of treatment, where you had your treatment and the amount paid.

    Once your claim has been approved, Simplyhealth will pay the money into your bank account within 10 working days. You can track your claim’s progress via the Simplyhealth website.

    If you prefer, you can make a claim by writing a letter to: Simplyhealth Customer Services, Hambleden House, Waterloo Court, Andover, Hampshire, SP10 1LQ.

    How to contact Simplyhealth

    You can amend your policy or make general queries in one of the following ways:

    • Calling 0370 908 3481
    • Sending an email to customer.services@simplyhealth.co.uk
    • Using the live chat service on the Simplyhealth website

    Customer service via telephone and live chat is available Monday to Friday 9am to 5pm.

    Your policy can also be amended by logging in to the Simplyhealth website or mobile app.

    Pros and cons

    Pros

    • Four levels of cover to choose from
    • Add up to four children for just £1.50 per month
    • The claims process is far simpler than with traditional health insurance

    Cons

    • This cover isn’t as comprehensive as traditional health insurance
    • You have to pay for your treatment first, then wait up to 10 days for it to be paid back into your bank account
    • Customer service is only available on weekends

    Our verdict

    This policy is more affordable than traditional health insurance, especially if you choose to add family members, but it covers you for a lot less.

    Make sure you’re comfortable with the amount of cover you’ll receive, before you sign up.

    Frequently asked questions about Simplyhealth health insurance

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