How Much Does Simplyhealth Cost in the UK?
Simplyhealth health cash plans start at approximately £12 per month, making them the most affordable form of health cover in the UK. Unlike private medical insurance (Bupa, Vitality), Simplyhealth cash plans reimburse you for everyday healthcare costs — dentist, optician, physiotherapy, and prescriptions. According to Simplyhealth, the company covers over 3 million people in the UK.
| Plan | Typical Monthly Cost | Annual Claim Limits |
|---|---|---|
| Level 1 | £12–£15 | Lower claim limits (e.g. £100 dental, £75 optical) |
| Level 2 | £18–£25 | Medium limits (e.g. £200 dental, £125 optical) |
| Level 3 | £30–£40 | Higher limits (e.g. £400 dental, £200 optical) |
Cash plans reimburse costs up to set annual limits. They do not cover hospital treatment or specialist care — for that, you need Bupa or Vitality. Cash plans cover the everyday healthcare costs the NHS does not (dental, optical, prescriptions, therapies).
Compare all options on our UK Health & Wellbeing subscriptions page.
Does Simplyhealth Auto-Renew?
Yes, Simplyhealth renews annually by direct debit. Monthly premiums continue unless you cancel. Simplyhealth sends renewal documentation before your annual renewal.
How to Cancel Simplyhealth in the UK
Contact Simplyhealth customer services on 0300 100 1188 or via your online account. Provide the required notice period (typically 1 month). Outstanding claims can still be submitted after cancellation for treatment during the cover period.
See also our guides to Bupa UK subscription and Vitality UK subscription.
Is Simplyhealth Worth It in 2026?
Simplyhealth cash plans are excellent value for anyone with regular dental, optical, or physiotherapy costs. A single dental crown (£250-600) or pair of glasses (£100-300) can exceed the annual premium.
| Pros | Cons |
|---|---|
| Very affordable from £12/month | Does not cover hospital or specialist treatment |
| Covers dental, optical, prescriptions, physio | Annual claim limits restrict total reimbursement |
| No medical underwriting — no health questions | Waiting periods apply for some benefits |
| Claims processed quickly (typically 48 hours) | Not a replacement for private medical insurance |
| Tax-efficient as employer benefit | Higher-level plans still cap reimbursement |
Simplyhealth fills the gap between the NHS and full private insurance. It covers the costs the NHS charges for (dental, prescriptions, optical) at an affordable monthly cost. For comprehensive private healthcare, Bupa or AXA Health are necessary.
Track Your Simplyhealth Subscription with Prunely
Prunely lets you add Simplyhealth to track renewal dates. Track alongside all subscriptions — no bank connection needed. Prunely is free for up to 5 subscriptions.
Frequently Asked Questions
How much does Simplyhealth cost per month?
Simplyhealth cash plans start at approximately £12/month. Higher-level plans with larger claim limits cost £18-40/month. Prices depend on the level of cover and number of people on the plan.
What does Simplyhealth cover?
Simplyhealth cash plans reimburse costs for dental treatment, eye tests and glasses, physiotherapy, osteopathy, chiropractic, prescriptions, and health screenings. They do not cover hospital treatment or specialist medical care.
Is Simplyhealth the same as health insurance?
No. Simplyhealth is a health cash plan, not private medical insurance. Cash plans reimburse everyday healthcare costs (dental, optical). Health insurance (Bupa, Vitality) covers hospital treatment and specialist care. Many people hold both.
How do I cancel Simplyhealth?
Call 0300 100 1188 or cancel through your online account. Provide 1 month's notice. Outstanding claims for treatment during the cover period can still be submitted after cancellation.
Can I claim on Simplyhealth for NHS dental?
Yes. Simplyhealth reimburses NHS dental charges (Band 1, 2, and 3) up to your plan's annual dental limit. You pay the dentist, then claim back through Simplyhealth. Private dental charges are also claimable up to the same limits.