Introduction:
With healthcare needs evolving and NHS waiting times on the rise, more people in the UK are turning to health cash plans to manage their everyday health expenses. Simply Health, one of the UK's most trusted and long-standing providers, offers a practical, affordable solution for individuals and families who want better access to dental, optical, and physiotherapy services—without the hefty price tag of private medical insurance.
This in-depth guide explores everything you need to know about Simply Health, including its services, pricing, how it compares to traditional insurance, customer feedback, and more.
What is Simply Health?
Simply Health is a UK-based not-for-profit organization that provides health cash plans and dental plans to individuals, families, and businesses. Established in 1872, it has grown from a small mutual society into a modern health solutions provider, supporting over 3 million customers across the UK.
Unlike private medical insurance, which typically covers major medical events or hospital stays, Simply Health is designed to help users claim back everyday health expenses—such as visits to the dentist, optician, physiotherapist, or mental health therapist.
“We help people make the most of life through better everyday health.” — Simply Health UK
How Does Simply Health Work?
Simply Health operates on a reimbursement model. You pay a fixed monthly fee (starting at around £7.50), and in return, you’re entitled to claim back money on specific healthcare services.
Step-by-Step Process:
1. Choose a plan that suits your budget and health needs.
2. Use health services (e.g., get a dental check-up, buy prescription glasses).
3. Submit a claim via the Simply Health app or website by uploading receipts or invoices.
4. Get reimbursed, typically within 3–5 working days.
This model makes it especially useful for people who regularly spend money on routine health services.
What Does Simply Health Cover?
Simply Health offers a wide range of services under its health cash plans. Depending on your chosen tier, you can get reimbursement for:
🦷 Dental Care:
* Routine check-ups
* Scale & polish
* Fillings
* Emergency treatment
* Crowns, bridges, and dentures
👓 Optical Services:
* Eye tests:
* Prescription glasses
* Contact lenses
* Laser eye surgery (partial contribution)
🏃♀️ Physical Therapy:
* Physiotherapy
* Osteopathy
* Chiropractic treatment
* Acupuncture
🧠 Mental Health Support:
* Counseling sessions
* Cognitive Behavioural Therapy (CBT)
* 24/7 GP and mental health helplines
👩⚕️ Specialist Consultations & Prescriptions:
* Private GP consultations
* Diagnostic tests
* Health screenings
* Prescription reimbursements
Who is Simply Health For?
Simply Health is designed for:
* Individuals who want affordable support for everyday healthcare
* Families looking for a cost-effective way to manage health expenses
* Freelancers or self-employed professionals not covered by NHS benefits
* Employers who want to offer health benefits to employees
Because no medical exam is required, it's ideal for people with pre-existing conditions or those who’ve been declined private health insurance.
Simply Health Plans and Pricing:
Simply Health offers tiered plans to suit different needs and budgets.
Example Plan Levels (2025 Pricing):
Plan Tier Monthly Cost Annual Optical Annual Dental Annual Physio Mental Health
Level 1 £7.50 £50 £50 £100 Included
Level 2 £13.00 £80 £100 £150 Included
Level 3 £20.00 £120 £200 £300 Included
Level 4 £28.00 £180 £300 £500 Included
Note: Prices are subject to change based on age, location, and policy terms.
Key Features and Benefits:
✅ Fast, App-Based Claims:
The Simply Health mobile app allows you to submit claims, track payouts, and manage your plan entirely online. Most claims are settled within 48–72 hours.
✅ No Medical Exams or Health Screenings:
There’s no need for lengthy forms or health check-ups. Acceptance is guaranteed.
✅ Family-Friendly Options:
Add up to four children under 18 at no extra cost (on most plans). Partners can also be added at a discounted rate.
✅ Mental Health Support:
Most plans include access to counseling, CBT, and mental health helplines, which is increasingly important in today’s world.
✅ Pre-existing Conditions Covered:
Unlike private insurance, Simply Health does not automatically exclude pre-existing conditions for most everyday services.
Simply Health vs Private Medical Insurance:
Feature Simply Health Private Medical Insurance
Monthly Cost Low (from £7.50) High (from £50+)
Covers Routine Care ✅ Yes ❌ No (only major events)
Covers Hospitalization ❌ No ✅ Yes
Mental Health Support ✅ Included ⚠️ Often extra
Claims Process ✅ Digital & Easy ❌ Often paperwork-heavy
Pre-existing Conditions ✅ Usually covered ❌ Often excluded
Requires Medical Exam ❌ No ✅ Often yes
Simply Health is better suited for day-to-day health management, while private insurance is best for serious medical events.
Customer Reviews and Satisfaction:
Simply Health enjoys positive customer feedback across platforms.
⭐ Trustpilot: 4.2/5:
From over 8,000 verified reviews:
Pros: Quick payouts, user-friendly app, affordable pricing
Cons: Occasional confusion over specific coverage limits
⭐ Google Reviews: 4.3/5:
Many users praise customer service and the ease of submitting claims
🗣️ Customer Testimonials:
"I claimed for a dental check-up and got reimbursed in 2 days—couldn’t be easier!" — Sarah M.
"The mental health support has been a lifesaver during stressful periods." — John L.
How to Apply for Simply Health:
Joining Simply Health is straightforward:
Step 1: Visit the Website:
Go to https://www.simplyhealth.co.uk and explore plan options.
Step 2: Choose Your Plan:
Pick a tier based on your health expenses and budget. You can upgrade or downgrade later.
Step 3: Register Online:
Sign up using your personal and payment details. No medical forms needed.
Step 4: Start Claiming:
As soon as your plan is active (usually within a month), you can begin submitting claims.
Is Simply Health Worth It?
If you regularly spend money on dental, optical, or alternative therapies, Simply Health offers excellent value. Here’s a quick cost analysis:
* Dental Check-up (twice a year): £120
* Glasses (annually): £150
* Physio (3 sessions): £180
Total: £450/year
With a £13/month plan (£156/year), you could claim back up to £300–£400, saving significantly.
Pros and Cons of Simply Health:
✅ Pros:
* Affordable monthly payments
* No waiting lists or referrals required
* Family-inclusive
* Mental health and alternative therapy coverage
* Fast digital claims
❌ Cons:
* Doesn’t cover major surgeries or hospital stays
* Annual limits on claims
* Not all services fully reimbursed (partial contributions)
Final Verdict:
Simply Health is a smart, cost-effective choice for individuals and families who want to take control of their everyday health expenses. It’s ideal for those who:
* Want to avoid NHS waiting times for routine care
* Need support for dental, vision, and physio services
* Value mental health and alternative therapy coverage
* Prefer digital convenience and fast claim processing
While it won't replace full private medical insurance, it complements the NHS by filling in the gaps—making healthcare more accessible and affordable.
References:
1. Simply Health Official Website
2. Trustpilot Reviews
3. NHS Services Overview
4. Which? Health Insurance Guide
5. Financial Conduct Authority (FCA)
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