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Westfield Health vs Simplyhealth 2026
Which health cash plan is better value for dental cover?
Quick verdict
Choose Westfield Health if you...
- Want the lowest possible monthly premium (from ~£5/mo)
- Prefer a not-for-profit, values-driven provider
- Are based in the North of England (Westfield's home region)
- Want straightforward cashback without many tier complexities
Choose Simplyhealth if you...
- Want a wider range of plan tiers and cover levels
- Prefer a more widely recognised brand
- Also want optical, physiotherapy, or other health cashback
- Plan to upgrade to Denplan later (same group)
Head-to-head comparison
| Feature | Westfield Health | Simplyhealth |
|---|---|---|
| Plan type | Health cash plan | Health cash plan |
| Monthly price | from ~£5 | from £8 |
| Organisation type | Not-for-profit | Commercial (owns Denplan) |
| Any dentist | Yes | Yes |
| NHS cover | Yes | Yes |
| Claim from day one | Yes | Yes |
| Waiting period | None | None |
| Online signup | Yes | Yes |
| Optical cashback | Yes (most plans) | Yes (most plans) |
| Overall score | 7.6/10 | 8.5/10 |
How do both plans work?
Both Westfield Health and Simplyhealth operate as health cash plans. The model is the same: you pay a monthly premium, and when you have dental treatment (at any NHS or private dentist), you pay upfront and then claim back a set amount up to your annual allowance. Neither requires a dental assessment to join, and both allow claims from day one.
The main practical differences are in pricing, brand profile, and the breadth of health benefits beyond dental. Westfield Health is a not-for-profit mutual, meaning any surplus is reinvested rather than paid to shareholders. Simplyhealth is a larger commercial business that also owns Denplan (the UK's largest capitation dental plan).
Price and cashback limits
Westfield Health's entry-level dental cash plan starts at approximately £5/month, making it the most affordable option among the major cash plan providers. Annual dental cashback limits at the basic level typically cover routine check-ups and basic treatment.
Simplyhealth starts at £8/month but offers a wider range of tier options, scaling up to £50/month with significantly higher annual cashback limits (£500–£800+ on dental treatment at mid and upper tiers). For patients who regularly need private dental treatment, the higher Simplyhealth tiers may provide better absolute cashback value than Westfield's equivalent tiers.
Which is better for different situations?
I want the cheapest dental cashback plan available
Westfield Health — Entry plans start from ~£5/month, lower than Simplyhealth's £8/month entry point.
I want to use any dentist including NHS
Both — Both plans cover NHS and private dental treatment at any dentist.
I want the highest annual dental cashback
Simplyhealth — Simplyhealth's higher tiers offer larger annual cashback limits for dental treatment.
I prefer a not-for-profit provider
Westfield Health — Westfield Health is a not-for-profit organisation; surpluses are reinvested, not distributed.
I want cover beyond dental (optical, physio)
Both — Both plans offer broader health cashback. Compare specific benefits on each tier.
I might want to switch to Denplan later
Simplyhealth — Simplyhealth and Denplan are both part of Simplyhealth Group, so you are already a customer.
Frequently asked questions
Is Westfield Health or Simplyhealth better for dental cover?
Westfield Health is better if you want the lowest premium and a not-for-profit provider. Simplyhealth is better if you want more plan tiers, higher cashback limits, or access to a wider range of health benefits.
What is the difference between Westfield Health and Simplyhealth?
Both are health cash plan providers with dental cashback. Westfield Health is not-for-profit and has a lower entry price. Simplyhealth is a larger commercial provider with more tier options and also owns Denplan.
Can you use Westfield Health or Simplyhealth with an NHS dentist?
Yes. Both plans cover dental treatment at any NHS or private dentist. You pay upfront (including NHS charges) and claim back up to your annual allowance.
Is there a waiting period for Westfield Health or Simplyhealth dental cashback?
No. Both Westfield Health and Simplyhealth allow claims from day one with no waiting period for dental treatment.