Business Cash Plans: Affordable Health Benefits for Your Team

Providing meaningful employee benefits doesn’t have to mean breaking the bank. Business cash plans are a cost-effective way for employers to support staff wellbeing, helping with everyday healthcare expenses like dental, optical, and physiotherapy costs. They’re simple, affordable, and a great way to show employees that their health matters.

What Are Business Cash Plans?

A business cash plan is an employee benefit that allows staff to claim back money on routine health costs. Instead of just covering major medical events, cash plans focus on everyday essentials, including:

• Dental treatment and check-ups

• Eye tests, glasses, and contact lenses

• Physiotherapy, chiropractic, or osteopathy sessions

• Specialist consultations

• Health screenings and wellbeing services

Employers pay a monthly premium per employee, and staff can then claim back up to a set allowance on these services.

Why Businesses Choose Cash Plans

Many companies—large and small—use cash plans because they’re simple, flexible, and deliver real value. Key advantages include:

• Affordable premiums – typically much lower than private medical insurance

• Healthy, happy staff – employees are more likely to access treatment early

• Retention & recruitment – attractive benefits help businesses stand out

• Scalable – cover can be tailored for teams of any size

• Family-friendly options – some plans extend to employees’ partners or children

  
  

Business Cash Plans vs. Private Medical Insurance

While private medical insurance (PMI) covers serious conditions, hospital stays, and operations, business cash plans are designed for everyday health needs. Many employers use cash plans as a standalone benefit, while others combine them with PMI to create a comprehensive health package.

This layered approach helps businesses manage costs while still offering strong employee support.

The Impact on Staff Wellbeing

Providing access to a cash plan shows employees that their wellbeing is valued. The benefits include:

• Less financial stress over routine healthcare costs

• Encouragement to get treatment sooner, avoiding bigger health issues later

• Improved morale, productivity, and engagement

• Reduced absenteeism due to quicker access to treatment

For businesses, this translates into a healthier, more motivated workforce.

Are Business Cash Plans Right for Your Company?

If you’re looking for an affordable way to boost your benefits package and support staff health, cash plans could be the ideal solution. They’re particularly popular with SMEs, family-run businesses, and companies who want to balance cost-control with meaningful employee care.

Final Thoughts

Business cash plans are a smart, low-cost way to enhance your benefits offering, improve employee wellbeing, and create a workplace culture where health is prioritised. For a modest monthly cost, they provide a tangible benefit that employees will genuinely value.

👉 At Assure-U International, we help businesses design healthcare solutions that fit their teams and budgets.

Call us today on 03300 100 441 or email sales@assure-u.com to explore the best business cash plan options for your company.