Complementary treatment, or complimentary treatment?
What if I told you that your employer would pay for you to have a massage session?
That’d be pretty good, wouldn’t it.
Believe it or not, every month I have multiple clients who do this, through something called an employer cash plan, and the process is actually very straightforward. Many clients ask whether it will cover a massage, and the short answer is: often yes, but only if the practitioner and paperwork meet the insurer’s rules.
This guide explains all the details of how to use this cash plan to book fully claimable massages with me, at my Southville massage practice
The Employer Cash Plan
So what is an employer cash plan anyway?
Sometimes also called a corporate health cash plan, it is a company-funded benefit that helps staff reclaim the cost of everyday health and wellbeing expenses, provided it’s included in the policy. Premiums are paid on a monthly or annual basis, and typically range from around £100 - £250 per year.
Now, before you get too excited, I should mention that currently only around around 6% of UK employers offer this, however a recent survey found that 26% of employers are considering introducing a health cash plan within the next three years. This is due to a significant amount of positive feedback from companies who have trialled the scheme, allowing employees to access dental or optical treatments, but also complementary treatments like physiotherapy and — you guessed it — massage.
It is not private medical insurance. Instead, employees pay for a treatment up front (for example a 60- or 90-minute massage, physio visit, or an optical test) then submit the paid receipt to the cash-plan provider for reimbursement, up to the plan limit.
So if you’re one of the fortunate 6%, you can start right away, but if not, then keep an eye out for updates to your company policy. It is highly likely that this will become more commonplace in the coming years.
How Health Shield works
So how does it work, and how can you get started?
There are a number of cash plan providers active in the UK, but in this article, I will be talking about my experience with Health Shield. Why? Simply that every one of my several clients who benefit from this scheme are doing so with Health Shield, so I can only assume that they are the most widespread provider — at least in the Bristol area, where I run my massage practice.
Here’s what I know:
Health Shield’s plans often include a “therapy” category that will cover massage — but only when the therapist holds an accreditation recognised by Health Shield. For massage therapists like myself, this usually means membership of a governing body such as MTI, where I hold my accreditation.
Claims are only eligible when the therapist’s qualification and insurance meet those standards, so before you go off booking massages and other complementary therapy treatments, you must check whether the therapists you’re choosing are eligible for this scheme.
If you’re not sure, just send them a quick message asking whether they’re“ Health Shield-friendly”
Once this has been confirmed, a typical claim workflow looks like this:
1. Employee books and pays the therapist directly
2. Therapist issues a receipt with the required details
3. Employee uploads the receipt to Health Shield’s online portal or app
4. Health Shield reimburses the employee up to the plan allowance
Simple, right? Now let’s take a look at what information needs to be included on the receipt
What your Health Shield receipt must show
When you ask for a receipt, make sure it contains the information requested by your cash-plan provider. A complete Health Shield receipt typically includes:
• Your full name (the employee)
• Date of treatment and confirmation of payment
• Treatment description and duration (e.g. “60-minute massage”)
• Therapist’s full name and business address
• Therapist’s governing body / registration (e.g. MTI)
• Therapist’s public liability or professional indemnity insurer details
• Practice or therapist contact email/phone (so the provider can verify if needed)
Many therapists, including myself, attach a PDF copy of their accreditation and a short insurance statement when emailing receipts, to speed up verification time.
As the client, you can help by mentioning Health Shield at your first enquiry or when booking the session so that I can prepare the correct paperwork ahead of time. Avoid leaving it until after the session, since this can cause minor delays. Also, be sure to submit a complete receipt first time. Incomplete claims are the most common cause of slow reimbursements, so ensure your claim is valid, and it should run smoothly.
Why it matters
If your employer offers a cash plan, it’s a sensible, cost-effective way to look after your health.
There are many good reasons to use it for complementary treatments such as massage,
Massage can help support deep relaxation, and even a single session can have a measurable short-term impact on things like joint pain and muscle tension, which are common (and very treatable) side effects of spending many hours per day working at a desk. Massage can also improve the quality of your sleep and let’s face it, is something we can all benefit from.
I have some clients who see me for a one-off annual treatment, because they’re able to have it fully covered, and I have others who see me more regularly that use it to lower their average cost of treatment over the course of the year. You don't even need to choose the style of massage beforehand; you can simply book the time with me, and we'll tailor the treatment to your needs on the day you visit.
Just ask me for a Health Shield receipt and I’ll provide my all the information you need to claim back the cost of treatment, including my MTI accreditation and insurance details.
After all, if your company want to look after you, then why not treat yourself to a massage on the house
