Three new benefits at Flatpay
Employee Assistance Programme from your first day, plus Bupa private medical insurance and a Medicash health cash plan once you've passed probation — all managed in one place in Kota. Scheme launches 7 August 2026.
All benefit premiums are paid in full by Flatpay.
Two different start points — please read carefully.
Every employee is added to the EAP as soon as they join Flatpay. No probation requirement, no enrolment step, no waiting period.
Once you've successfully completed your probation, you'll be enrolled in both Bupa private medical insurance and the Medicash health cash plan. Your cover starts at the beginning of the month after your probation is confirmed. For example, if your probation is confirmed on 14 August, your cover will start on 1 September.
Activate your account
- 1You'll get an email invite from Kota.
- 2Sign up with your Flatpay work email and a mobile number.
- 3Set a password, then log in at kota.io or download the Kota app.
- 4The EAP is there from day one; private medical and the cash plan appear in Kota once probation is passed.
- 5You'll also get welcome emails direct from Medicash (from no_reply@medicash.org) and from Bupa once your medical cover starts. If you don't see them, check your junk or spam folder and mark the sender as safe — your IT team can help if the emails are being blocked.
Inside Kota you can
- See your benefits in one place
- Download policy documents and membership numbers
- Jump straight into Bupa and Medicash to claim
- View your Medicash cover for any children you've added
Free, confidential support for whatever life throws at you — available from the moment you join Flatpay.
- 24/7 health and stress helplines — expert information and advice on a wide range of issues
- Up to 8 face-to-face counselling sessions per issue
- Dedicated menopause support line, with assessments booked with a specialist menopause clinician
- Manager support line for guidance on workplace mental health and other challenges
- Togetherall — anonymous, moderated, clinically managed peer support community
- Self-help resources: CBT workbooks, podcasts, blogs, and specialist domestic abuse support
Private medical insurance from Bupa on the Select scheme, Custom cover tier — added once you've passed probation.
- Out-patient consultations, therapies and diagnostic tests covered up to £1,500 per policy year
- Out-patient complementary medicine treatment, within that £1,500 out-patient limit
- Mental health treatment included
- NHS cash benefit — a cash payment if you choose to have eligible treatment on the NHS instead
- Access to Bupa's participating facility hospital list
- No sports club exclusions applied
The £100 excess and the £1,500 out-patient limit reset on the scheme renewal date, 1 August, not on the date you joined.
Employee-only cover. Partners and children are not included on the medical scheme.
Moratorium underwriting: you don't fill in a medical questionnaire. Instead, conditions you've had symptoms of, medication for, treatment or advice about in the five years before you join aren't covered — but they can become eligible after two continuous years of cover with no symptoms, treatment or advice for that condition. Bupa confirms what's covered when you claim.
Money back on the everyday healthcare you already pay for. Pay for treatment, snap the receipt in the My Medicash app, and the money lands in your account the day after Medicash processes the claim.
- Pay upfront, upload the receipt in the My Medicash app
- Money paid to your account the day after Medicash processes the claim
- Annual allowances reset every benefit year
- Includes Virtual GP, digital physio, SkinVision, HealthLens and more (see below)
Annual allowance (per adult, per benefit year)
| Benefit | Annual allowance |
|---|---|
| Routine dental treatment | £75 |
| Dental accident | £250 |
| Optical (eye tests, glasses, contact lenses) | £75 |
| Specialist consultations, diagnostic tests and scans (incl. CT, MRI, PET) | £200 |
| Complementary therapies (physio, acupuncture, osteopathy, chiropractic) | £170 |
| Alternative therapies (reflexology, reiki, homeopathy and similar) | £75 |
| Chiropody | £50 |
| Prescriptions, inoculations and flu jabs | £20 |
| Health screening | £100 |
In the My Medicash app
Unlimited phone and video GP consultations, private prescriptions and open referrals.
24/7 clinically led assessment and treatment.
Skin spot and mole checks.
Facial scan for blood pressure, heart rate and cardiovascular risk indicators.
Hearing checks and auditory training.
Wellbeing videos, meditations, mental health courses, yoga and fitness.
Discounts and cashback on shopping, travel and cinema.
Discounts at 3,000+ venues across the UK.
Family cover on the cash plan
Children are covered free. Up to four dependent children, up to their 16th birthday, or their 24th if in full-time education. Each child can claim half the adult allowance on receipted benefits. Children aren't covered for dental accident, chiropody or health screening. Add children yourself in the My Medicash app — no paperwork needed.
Partners can be added as a voluntary, employee-paid upgrade to Dual cover, any time, by payroll deduction or direct debit. Kota will confirm the cost.
What is a Benefit in Kind?
A Benefit in Kind is a non-cash perk your employer provides that HMRC treats as having a taxable value. You don't pay anything upfront — the tax is handled through payroll or reported on your P11D.
For this package: Flatpay pays the premiums for your Bupa private medical insurance and Medicash cash plan in full. Because HMRC treats employer-paid medical and cash plan cover as a Benefit in Kind, the value of the cover is reported on your P11D and taxed accordingly.
The EAP is different: the Employee Assistance Programme is not treated as a Benefit in Kind, so it does not appear on your P11D.
Your payslip and P11D show the value of the cover, not the cost of any treatment you claim. If you're unsure how this affects your tax, speak to Flatpay's payroll team.
Opt out of PMI or Medicash
If you decide that PMI or Medicash isn't right for you, you can request to opt out.
Within 14 days of joining: You can opt out during the 14-day cooling-off period for any reason.
After 14 days: You can only opt out following a qualifying life event, such as a change in your personal or family circumstances that allows you to make changes to your benefits.
How do I opt out? Contact Kota through the app and let us know which benefit you would like to opt out of. The Kota team will confirm your eligibility and process the change for you.
Hi [Employee name],
Flatpay is introducing three new benefits: a Medicash Employee Assistance Programme, Bupa Select private medical insurance and a Medicash Proactive health cash plan. Flatpay pays for all of them in full.
Your Employee Assistance Programme is available from day one — 24/7, confidential, no waiting period. Bupa private medical insurance and the Medicash cash plan are added once you've passed probation, starting from the beginning of the following month.
Activate your Kota account to see your benefits, download documents and jump into Medicash or Bupa when you need to.
Use your invite code to get set up on your phone in seconds.
Accept your Kota invite
Activate your account with your Flatpay work email and mobile number.
EAP available immediately
The Medicash EAP is live from your first day — 24/7, confidential, no waiting.
Pass probation
Flatpay confirms you've passed probation.
Private medical and cash plan added
Bupa private medical and the Medicash cash plan start from the beginning of the following month.
Manage everything in Kota
Documents, membership numbers and claim links for Bupa and Medicash — all in one place.