Company paid NHS Top-Up Benefits

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  • Excellent Customer Service
  • Not-for-profit association
  • Award Winning Insurer
  • State of the art technology
  • Over 110 years heritage

Group Scheme literature

NHS Top-Up
A cash plan to help with those everyday healthcare costs

What is covered with NHS Top-Up

There is a choice of 3 levels of cover all with a FREE high quality Employee Assistance Programme (EAP).

NHS Top-Up


  Level one Level two Level three
Dental 1
Routine everyday dental treatment including check-ups, scale & polish, x-rays, fillings & hygienist treatment.
£65 £100 £150
Optical 1
Eye tests and glasses, contact lens and prescription sunglasses, even laser eye surgery.
£65 £100 £150
Therapies 1
Treatment from a registered physiotherapist, osteopath, chiropractor, homeopath, chiropodist or podiatrist.
£200 £300 £400
Specialist consultations & 2nd opinion(s) 1
A specialist consultation or second opinion.
£150 £200 £250
GP services 1
Private GP consultation(s), diagnostic tests, vaccinations and even flu jabs carried out by your GP.
£50 £100 £150
New baby
A single cash payment on the birth or adoption of each new child (a 10 month qualifying period applies).
£50 £100 £200
Hospital stay
A cash amount of money for each day/night an employee and/or their dependant(s) are admitted to an NHS hospital.
£20
(maximum 20 nights)
£35
(maximum 20 nights)
£50
(maximum 20 nights)
A&E attendance
Attend an A&E department and get £20 per visit (up to the maximum cash benefits shown) to help with the unexpected costs
£20
(maximum 1 visit)
£40
(maximum 2 visits)
£60
(maximum 3 visits)
NHS car parking
Up to £50 for family members visiting an employee in hospital, (£300 if employee is receiving cancer treatment).
Up to £300 on all levels
Expert medical & legal helpline
Guidance & information provided by experienced legal advisors.
Included on all levels

Extras: enhance your company´s cash benefits

  Benefit
Face to face counselling
Counselling professionals from Validium. Confidential counselling over the phone on personal issues, and where clinically appropriate, onward referral to face to face counselling services. This service is available 24 hours a day, 7 days a week.
6 sessions
Scans & screens 2
A choice of a health screen (e.g. well man or well woman check) or benefit towards an MRI/CT or ultrasound if arranged by your specialist
£200
mycancerdrugs
Will provide access to advanced cancer drugs not available on the NHS. There is a 90 day deferment period for this Extra. This benefit is available up to your 66th birthday.
£50,000 lifetime benefit
Essential european cover
Provides supplementary EHIC cover in the EEA including Switzerland and Norway. Covers air ambulance (where medically necessary), hospital costs, x-rays, GP fees 24/7 international telephone support. Pre-existing medical conditions are not covered. All emergency treatment must be pre-authorised.
£100,000
Cosmetic surgery
Provides private reconstructive plastic surgery following a scar left on the face or upper body after an NHS operation. There is a 30 day qualifying period for Cosmetic Surgery. Deliberate self-inflicted injuries, disfigurement through illness or treatment received are not covered.
£20,000
Allergy testing
Tests for allergic reactions or food intolerances carried out at a recognised allergy clinic.
£80
Dental trauma
This takes care of restorative dental treatment needed as a result of an injury to the face, teeth or jaw. You must visit an A&E department or a dentist (and call WPA) within 72 hours of the injury.
£10,000
Personal accident
If a staff member has an accident or injury leading to the loss of sight or the loss of (or loss of the use of) a limb.
£15,000

Swift diagnosis - also available as a standalone Group Scheme


  Benefit
Consultations, diagnostic tests & procedures (when diagnosing a new condition)
Refer to the separate Group Scheme Summary for full details of this benefit.
£1,500
Specialist charges for colonoscopy as a day-patient/out-patient
£500



A 90 day qualifying period applies for companies with less than 10 employees on cover. A maximum of 5 children can be covered on this option up to the age of 18 when the full premium will be charged. No further benefit is available once a diagnosis is made or the employee has reached the benefit limit. This option is not available if an employee holds a PMI group scheme with WPA. If after taking this option you wish to upgrade your employee(s) to a PMI group scheme with WPA, they will be required to declare their full medical history and personal exclusions may be applied. The employee must contact us before undergoing treatment so we may authorise their claim.



Discounts on gym membership & health screens

Your Group Scheme members will also benefit from lower gym membership fees with Nuffield Health and Wellbeing centres, as well as a 10% discount off the cost of a full health assessment or a well man/well woman screen at Nuffield Hospitals. Details will be provided on joining WPA.

Benefits are per person per Group Scheme year and up to the annual limits shown (with the exception of mycancerdrugs which has a lifetime benefit limit).

1. 75% or 100% reimbursement available.

2. We will cover one health screen per person as part of the Scans and Screens benefit every two Group Scheme years.

All premiums shown are per Group Scheme member and include Insurance Premium Tax (IPT) at 9.5%. This is subject to change should the level of tax change.


To see what NHS Top-Up does not cover please see what´s not covered.


For more information

Call us about our plans

0800 298 9 588