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CS Healthcare - First 2 months free

Private Health Insurance

Choosing the right health insurance can be difficult. With so many insurers and options to choose from, you want to make the right choice – the right level of protection at the right price. HealthBridge is an affordable health insurance solution that helps bridge the gap between private health cover and the NHS. Whereas your choice is a comprehensive, flexible insurance option which you can tailor to your own needs and budget. 

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CSMA Club Member Benefits

As a CSMA Club member, you’ll receive your first 2 months FREE on a your choice policy (plus an upgrade of £100 for Private Road Ambulance cover (total £350), exclusively for CSMA Club members.) Simply quote promo code 193 when joining. Or when taking our HealthBridge you will receive your first month free, when you quote 893 on joining. *

CS Healthcare stand apart from many of their competitors as a mutual friendly society, established to protect their members. Their mutual status means they just look after members and, unlike some commercial insurers, do not have any shareholders. CS Healthcare pride themselves on providing a high level of personal service and it is this service that gives you access to experienced UK based staff, who are dedicated to helping you.

Key Benefits of insurance with CS Healthcare

  • Competitive premiums from a mutual health insurer
  • Personal service from professional UK based staff
  • Fast, direct claim settlement with personal guidance and expertise at every stage
  • Access to 24 hour Health advice lines staffed by nurses
  • Access to hospitals across the UK

For further information or to get an instant quote, please visit the CS Healthcare website and enter the promo code 893* or call 0800 917 9088†.

Summary of Cover


The NHS can provide an excellent service and does a fantastic job, however, with heightened demand for NHS services and continuing pressure on the Health budget this will mean the NHS is likely to continue to prioritise complex and urgent treatment, such as cardiac and cancer treatment. But what about less urgent conditions like orthopaedic surgery, cataracts, general surgical procedures or diagnostic investigations and tests? Waiting times for these procedures, or to see a Consultant, are likely to continue to rise and already can be lengthy. HealthBridge has been specially designed to allow you quick access to treatment at an affordable price and in a comfortable setting, giving you peace of mind. 

View the Healthbridge brochure 

HealthBridge is CS Healthcare’s lower-priced healthcare solution designed to bridge the gap between the NHS and private cover. With a wide range of key benefits HealthBridge provides support when you need it. Treatment is subject to an overall financial limit of £15,000 per person per policy year at a local hospital as guided to by CS Healthcare.

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 Your Choice

CS Healthcare recognises that everyone has different needs and that circumstances change over time. That’s why with your choice health insurance they offer a range of cover options so that you can create your own package of health protection. You build your own health plan depending on how much cover you feel you require and how much you want to spend.

View the Your Choice Brochure

Starting with essential cover, the only part of your choice which is compulsory, and includes cover for in-patient/day patient treatment, including specialised scans and necessary aftercare, you can select further options to extend your plan to include diagnostic consultations, a range of therapy and recovery care, heart and cancer treatment and also cash benefits for dental, optical and health screening.

As well as the flexibility to pick and choose the cover that meets the needs of you and your family, there are also many ways in which you can further reduce your premium. CS Healthcare offer a range of voluntary excess options designed to reduce premiums by up to 60% or you can choose one of our co-payment options^, where you agree to pay a proportion of each claim, but only up to an set limit.


Example Premiums

Policy Type30 Year Old ±40 Year Old ±50 Year Old ±60 Year Old ±
HealthBridge (for member living in the South West, Midlands or Wales) £250 co-payment applies^ £19.60 £31.66 £40.21 £53.38
Your Choice with Essential & Expert Diagnostics 500 and £100 excess £43.26 £56.89 £70.55 £89.32

Terms & Conditions

*This offer is only available to UK based CSMA Club members and cannot be used in conjunction with any other offer and may be amended or withdrawn by CS Healthcare at any time. This offer is not available to policies arranged via a Broker and is not available to existing members of CS Healthcare including those who cancel and re-join.

†Lines are open Mon-Fri 9am – 5pm. Calls may be recorded and may be monitored for training, assurance purposes and/or prevention and detection of crime.

± These premiums are valid until 31st October  and are based on Essential cover, with Expert Diagnostics 500, partnership hospitals and £100 excess. Those switching from a previous insurer maybe subject to an increased premium. Switch rates are valid for 30 days from today's date, or up to and including 31 August 2015 whichever occurs first.

Premiums shown include Insurance Premium Tax (IPT) at a rate of 6%. Any changes in IPT may change your contribution rate.

 ˆCo-payment is a way of sharing the cost to keep premiums down - you pay 15% of the cost of your treatments up to a ceiling of £250 per person policy year for HealthBridge, or either £1,000 or £3,000 per person per policy year for your choice.

Civil Service Healthcare Society Limited incorporated in England and Wales. Registered office: Princess House, Horace Road, Kingston upon Thames, KT1 2SL, Surrey. Civil Service Healthcare is a registered Friendly Society authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority - registration number 205346. CS Healthcare products are covered by the Financial Services Compensation Scheme.

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