Simplyhealth Health Insurance Review

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What Is Simplyhealth?

Simplyheath has been around since 1872, starting as the Manchester & Salford Hospital Saturday
Fund (MSHSF) and Leeds Hospital Fund (LHF). Then, in 1986, Denplan was founded, creating the
first dental payment plan. Fast forward, Healthsure was founded in 1999 with the merger of MSHSF
and Healthcare Insurance Alliance, creating HealthSure, which ten years later merged with LHF and
Hospital Savings Association to create Simplyhealth.

We will be covering what Simplyhealth offer, along with answering some common questions we
get about their cover to help you determine if Simplyhealth is the right provider for you.

Why Choose Simplyhealth Health Insurance?

Simplyhealth’s private medical insurance policy provides all these benefits:

• 24/7 online GP access
• Mental health support
• Digital physiotherapy
• Lifestyle advice
• Fast claims process
• Access to exclusive offers

How Much Does Simplyhealth Health Insurance Cost?

The cost of health insurance always depends on multiple factors when you are looking for quotes,
and each provider considers different factors when considering someone’s case. Including age,
postcode and your current health status, i.e. if there is anything existing health problems that could
affect cover. Furthermore, there are also different levels of cover you may be looking for and this
also affects how much it can cost you, for example having more optional extras will raise the cost of
your insurance. While a way to decrease the cost can also come from raising your excess, offering
to pay more for treatments and cover will bring down your premium.

What Does Simplyhealth Personal Healthcare Cover?

Simplyhealth offer three different forms of personal health care cover. Which you can select
depending on what you are after in your cover. Below we will go into detail about what the plans
are and what they offer.

1-2-3- Health Plan

The 1-2-3 Health plan’s name comes from the cover being split across three areas where you will
receive benefits from and is best suited for those that want to claim money back from various
health service.

It is also ideal for those looking for family health insurance, as you can add your partner and up to
four children under 18, with each having their own benefits allowance. We want to highlight that
with this plan it asks you to pay upfront for the service and then claim back through the SimplyPlan
app and can only be used at registered practitioners.

The three areas the plan cover are

Everyday Essentials

• Dental care: Reimbursement for check-ups, hygiene appointments, fillings, crowns, and
  emergency treatment, it can be used at NHS and private dentists.
• Optical care: Money back for eye tests, glasses, contact lenses, and prescription
  sunglasses, coverage tends to only be used once a year.
• Physiotherapy: Gives you access to in-persona and virtual physio sessions that are helpful
  for injuries, mobility issues, or chronic pain.
• Chiropody & podiatry: Aids you with footcare treatments for example nail surgery or corn
  removal.
• Prescriptions: Allowing you to get money back on prescription costs, which is helpful for
  those that are not exempt from NHS fees.
• Complementary therapies: Including acupuncture, osteopathy, and chiropractic treatments,
  these are only covered if received by a qualified practitioner.

Professional Support

• 24/7 GP access: Unlimited consultations with qualified GPs vis the SimplyPlan app, where
  they can issue prescriptions, and referrals.
• Mental health & counselling: Access to trained counsellors to help with any mental health
  issues along with giving you someone to talk to about stress, anxiety, family issues, or
  bereavement, they also have people you can talk to about legal, financial and work-related
  issues.
• Digital physiotherapy: Using the SimplyPlan app it will give you assessments that you can fill
  out on the app along with giving you exercise plans that are tailored to any of your
  concerns, whether that be for joints or general health concerns.

Health Support Extras

• Hospital stays: including an allowance for inpatient stays both with the NHS and with private
  hospitals, there is however a limit on how many nights you can remain in hospital and still
  be covered as there is an annual limit.
• New child payments: Offers one-off payments to you whenever a child is born or adopted
  while you have the policy taken out.
• Health assessments: Virtual and in-person health checks are available to ensure you
  monitor health factors like BMI, blood pressure, cholesterol and more.
• Specialist consultation: Offers aid and cover when seeing private consultants or specialist if
  you have been referred or are looking for a diagnosis.

Active Plan

The active plan doesn’t cover as much as the 1-2-3 Plan, however, does have some of the same
benefits, like hospital stays cover and new child benefits, along with 24/7 access to an online GP
and digital physiotherapy. This plan however is more focused on those with an active lifestyle or
have persistent joint or muscle issues and don’t want to pay out for the more comprehensive cover
the 1-2-3 Plan offers. The key offers with the plan are:

• Physiotherapy: Cover for both in-person and online sessions, covers a wide range of injury
  and recovery needs, whether it’s a sports injury, improving mobility or posture related
  concerns.
• Osteopathy & chiropractic: Cover for treatments that target the spine, joints and muscles in
  place to aid you with any back pain, neck stiffness, and posture issues.
• Acupuncture: If you go to a registered practitioner, you can claim back on acupuncture
  therapy which is great for pain relief and muscle recovery.
• Sports massages: Again, if it’s with a certified provider this therapy is complementary which
  can help you with circulation, recovery and reducing muscle tension.

Dental Plan

This plan is covered in the 1-2-3 plan, however, is also available as a stand-alone option for those
that wish to only get the cover. The three main areas this cover is used are for:

• Treatment: General check-ups, hygienist fees and treatments like fillings and crowns.
• Emergency & accidents: Allowing you to not stress about costly dental fees and can
  prioritise your dental health first.
• Mouth cancer benefits: if you are diagnosed with mouth cancer it means that all your costs
  are covered.

Why use Healthplan to Compare Simplyhealth with Other Health Insurers?

Looking for private health insurance? Healthplan makes it easy to compare quotes from trusted
providers like Simplyhealth, helping you find the right cover at the right price. Whether you’re after
speedy diagnosis, specialist treatments, or peace of mind with 24/7 GP access, we’ll guide you
through your options and make sure you’re getting great value.

Why Compare Health Insurance with Healthplan?

• Industry experts – our team has years of experience within the health insurance industry and is fully equipped to get you the right cover
• Tailored to you – We ask the right questions to recommend policies that suit your needs
  and budget.
• Easy quotes – No jargon, no pressure – just clear comparisons.
• Trusted providers – We only work with leading insurers, including Simplyheath, AXA, Bupa,
  Aviva and more.

Start comparing today to find out how Simplyhealth stacks up against other top providers – and discover the best deal for your private health insurance.

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