About the Silver Plan
Silver is our middle plan that focuses on core medical benefits. With a single person subscription from £99.96/month, Silver is the ideal plan for households looking for a lower cost private healthcare choice or business owners wanting to protect the health of their employees.
Single person subscription from around £99.96/pppm.
Key information for the Silver Plan:
£50,000 Annual Benefit limit
(per person per year)
Pre-existing medical conditions NOT covered**
No waiting period before making a claim
No Scheme Excess applies to Silver Plan
(From 1st Aug 2026)
*Treatments and allowances marked NE are exempt from the Annual Scheme Excess.
Claims made using the WPA Pathways for Physiotherapy (by Ascenti), Mental Health Treatment (by Onebright) and Cancer Diagnosis (by Check4Cancer) are all exempt from the annual excess. Gold plan cash benefit claims are all exempt from the annual excess. These include Optical and Dental claims as well as the annual allowances for Healthchecks & Screening, Menopause Treatment and Private In-person GP appointments.
Extra benefits of the Silver Plan include:
In-patient & Day-patient treatment
Cancer treatment& care
Unlike the Edge plan, with Silver you are covered for Day-patient and In-patient treatment in a hospital or clinic.
Silver Plan Subscription Rates
Age Band | Single Person | Married Couple | Family | Single Parent Family |
16-34 yrs | £99.96 | £198.06 | £249.98 | £155.02 |
35-44 yrs | £132.14 | £264.09 | £337.52 | £209.81 |
45-54 yrs | £140.58 | £280.96 | £359.09 | £223.21 |
55-64 yrs | £205.46 | £410.02 | £536.98 | £334.45 |
65-74 yrs | £246.90 | £492.96 | £640.52 | £384.58 |
75+ yrs | £286.62 | £573.19 | £752.27 | £454.88 |
Rates correct from 1st January 2026
If viewing on mobile device, table can be scrolled left and right.
Core benefits for everyday healthcare
for you, your family or your business
Scans &Diagnostics
Remote GP
Ascenti Physiotherapy Pathway
Check4CancerCancer Pathway
Onebright Mental Health Pathway
Podiatry & Chiropody
Healthchecks& Screening
HealthDiscounts
Pre-existing conditions & Full Medical Underwriting
With the Silver plan, you are not covered for any pre-existing condition(s) that occurred before the start of your Silver Plan membership. Full Medical Underwriting (FMU) applies, which means the scheme does not pay for conditions that you already had when you joined, unless adequately declared to and accepted by us. You are also not eligible for benefit under your scheme for any conditions, whether diagnosed or not, if these arise in the first 14 days after you joined us.