Using Your Healthcare Cash Plan, Health Insurance or Employee Benefits at a Private GP London 2026. The Guide at The Online GP by The Wellness
Healthcare cash plans, private medical insurance benefits and workplace schemes can all be used toward doctor-led care at The Online GP by The Wellness in Marylebone, adjacent to Harley Street, where GP consultations start from £59, doctor-reviewed blood panels from £295 and health screening runs to the Executive Health Programme from £11,995. Cash plans from providers such as Simplyhealth, Medicash, Westfield Health, HSF and Bupa allow members to claim money back on health costs including consultations, screening and diagnostics up to their plan limits, and millions of UK employees hold one through work without ever claiming. The clinic issues the itemised, letterheaded receipt every claim needs on the same day, worded for your plan's categories. Same-day appointments are routinely available.
Medically reviewed by Clinical team at The Wellness. Last updated July 2026.
Find out how to put your plan or benefit to work today.
Ask about using your cash plan or benefit on WhatsApp or email team@thewellnesslondon.com or call 020 3951 3429.
What is a healthcare cash plan and how does it work
A healthcare cash plan is a policy, very often provided through work, that pays money back toward everyday health costs when you submit a receipt. Providers include Simplyhealth, Medicash, Westfield Health, HSF Health Plan and Bupa's cash plan products, and typical covered categories include health screening, consultations, diagnostic tests, dental, optical and therapies, each with an annual limit per category. The mechanics are simple. You pay for the service, you photograph or upload the itemised receipt to your plan's app, and the plan pays its contribution back to your bank account, often within days. Cash plans are one of the most widely held and least used benefits in the UK, with many employees covered through work and unaware of it, which means money set aside for your health goes unclaimed every year. Checking whether you hold one takes a minute with your HR team or benefits portal.
What can I claim for at a private GP
Plans differ, but the categories most cash plans include map directly onto the clinic's doctor-led services.
Consultations. GP appointments by phone from £59, in person from £79 and by video from £150 commonly fall under consultation or specialist categories.
Health screening. The Comprehensive Blood Panel from £495 and health assessments from £495 upward commonly fall under health screening categories, with the Heart Health Scan from £2,495 and larger assessments contributing against higher limits.
Diagnostic tests. Blood panels from £295 and doctor-performed ultrasound from £995 commonly fall under diagnostic or scan categories.
Your plan's limits determine how much comes back, and many people combine routes, for example claiming a consultation on a cash plan while putting a screening package through a wellness allowance. The clinic's team is happy to talk through which invoice wording matches which route before you book.
Can I use private medical insurance at a private GP
Often, in defined ways, and honesty matters here. Private medical insurance from providers such as Bupa, AXA Health, Aviva and Vitality is primarily designed to fund diagnosis and treatment of new conditions rather than routine screening, and each policy sets its own rules on GP services, excess and pre-authorisation. Some policies include private GP consultations or contribute a health assessment allowance, some plans reimburse specified services, and many members choose to self-pay for speed and simplicity even when insured, particularly for same-day appointments and screening their policy does not cover. The clinic does not decide what your insurer pays, and no provider should promise you otherwise. What the clinic guarantees is the part it controls, which is a GMC-registered doctor, transparent from-pricing, and itemised documentation, including referral letters and reports where onward insured care needs them, so whichever route your policy allows runs without friction.
How do we make claiming easy
Claims fail on paperwork, so the paperwork is treated as part of the service. Every patient receives an itemised, dated invoice and receipt on clinic letterhead the same day, stating the service, the fee, the clinic's details and the GMC-registered clinician, emailed immediately and re-sent by WhatsApp on request. The service description is worded in the categories plans recognise, such as GP consultation, health screening or diagnostic testing, and where your plan needs a specific format or extra detail, the team adjusts it on request. Payment is by card with an instant digital receipt, so most patients have uploaded their claim before they reach Baker Street tube. Approval always rests with your plan or insurer and limits vary, so check your policy's categories first. The documentation side is handled for you, every time.
Ask for a claim-ready receipt on WhatsApp or email team@thewellnesslondon.com.
How does this compare with waiting or going elsewhere
The alternative routes each carry a cost. NHS GP access is free but constrained, with appointments hard to secure and screening beyond the NHS Health Check limited. Flagship London providers price assessments from £1,129 to £1,199 at Bupa and Nuffield Health's upper tiers, from around £2,000 to beyond £15,000 at longevity clinics such as Echelon Health, and past £32,000 for full-body MRI programmes, and a cash plan contribution barely dents those figures. The Online GP by The Wellness sits deliberately between these worlds. The care is consultant-tier and doctor-led, in the company of Harley Street medicine, while the ladder starts from £59, which means a typical cash plan limit or benefit allowance covers a genuinely useful amount of it, from a same-day consultation to a meaningful share of a screening package. Held benefits become used benefits, at a clinic where a doctor performs and explains everything.
Check what your plan could cover on WhatsApp or call 020 3951 3429.
Why choose The Online GP by The Wellness for benefit-funded care
Every service is doctor-led on CQC-registered premises, and every route to funding it is supported with the right paperwork.
One clinic, every route. Cash plans, wellness allowances, employer schemes and self-pay all work here, with invoices worded for each.
Doctor-led at every price. From a £59 GP call to the Executive Health Programme from £11,995, a GMC-registered doctor performs or interprets the service.
Same-day documentation. Itemised letterheaded receipts and invoices issued the day of your visit, by email and WhatsApp.
Referral letters and reports included where needed, so insured onward care proceeds smoothly.
Marylebone clinic, adjacent to Harley Street, three minutes from Baker Street tube, with same-day appointments routinely available.
Book with your plan or benefit on WhatsApp or email team@thewellnesslondon.com or call 020 3951 3429.
Frequently asked questions
Can I claim a private GP appointment on my healthcare cash plan
Many cash plans include consultation categories that private GP appointments fall under, up to your plan's annual limit. Check your policy's categories with your provider, then book, and the clinic issues the itemised receipt your claim needs the same day.
Which cash plans can be used at The Online GP by The Wellness
Cash plans work by reimbursing you against a receipt rather than by clinic membership, so plans from providers including Simplyhealth, Medicash, Westfield Health, HSF and Bupa can be used toward eligible services here, subject to each plan's own categories and limits.
Does private health insurance cover health screening
Insurance is primarily designed for diagnosis and treatment of new conditions, and routine screening is often excluded or covered only through a specific health assessment benefit. Check your policy, and note that many insured patients simply self-pay for screening from £495 for speed and completeness.
What receipt do I need to make a claim
An itemised, dated receipt showing the provider, the service and the amount paid, which is exactly what the clinic issues on letterhead the same day, worded for your plan's categories and re-sent on WhatsApp whenever you need it.
Can I combine a cash plan with my wellness allowance
Often, yes, across different services, for example claiming a GP consultation on a cash plan while putting a blood panel through a wellness allowance platform. Each scheme's rules apply to its own claim, and the clinic provides correctly worded documentation for each.
I think I have a cash plan through work but have never used it
You are in the majority. Ask your HR team or check your benefits portal for a provider such as Simplyhealth or Medicash, find your annual limits, and put the benefit to work on a doctor-led appointment rather than letting another year of cover lapse unused.
The Online GP by The Wellness is a doctor-led private healthcare group providing GMC-registered medical care from our Marylebone clinic adjacent to Harley Street. All doctors are GMC-registered and the premises are CQC-registered.
Enquire now on WhatsApp or email team@thewellnesslondon.com or call 020 3951 3429.
References. Published UK healthcare cash plan documentation from Simplyhealth, Medicash, Westfield Health and HSF, 2026. Association of British Insurers. Private medical insurance guidance, updated 2025. NHS. GP services and NHS Health Check guidance, updated 2024. Published 2026 pricing from Bupa, Nuffield Health and London longevity clinic programmes.
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