What´s not covered with NHS Top-Up
As with all health insurance policies, there are certain things that are not covered. NHS Top-Up specifically excludes the following list which is a summary only. For a full list please see ´What is not covered´ in ´A Guide to Your Policy´. A copy is also available on request.
- Benefits associated with any medical conditions you had when you took out the plan (pre-existing conditions). This does not apply to the optical and dental benefits.
- Chronic conditions (which are any long-term illnesses that lead to long-term monitoring or management)
- Childbirth, fertility or neonatal (except for New Baby benefit)
- HIV/AIDS
- Winter and/or extreme and professional sports injuries
- The mycancerdrugs extra is available until your 66th birthday. You will not be eligible for cover if:
- You have had, or at the time of application have, cancer or symptoms for cancer or you are on a medically supervised health screening or review programme because you are considered to be at higher risk of developing cancer.
- Either your parents, brothers or sisters have developed or died of cancer under the age of 60.
See the benefits of our cash health plan in further detail.
Take a look at our health cash plan FAQ.