NHS Top-Up Corporate : Employee Health Cash Plan
Affordable and straightforward cash plan to help take care of your employees' health and wellbeing.
Reward your employees
Our NHS Top-Up Corporate cash plan is an excellent way to attract and reward your staff from just over £1 per employee per week.
No matter the size of your workforce, we can help your employees feel valued and get money back on routine healthcare such as prescriptions, dental and optician appointments and much more. So your employees don't have to be ill to benefit from our NHS Top-Up Corporate cash plan. However, if they are unwell, we can help them get quicker access to therapeutic treatments, such as a chiropractor or physiotherapist. An EAP will keep your staff engaged and productive, as well as minimising the impact of any external distractions on employees' ability to function or focus while at work.
By investing in your workforce, you'll encourage your staff to focus on their wellbeing. Underpinning your wider business reward strategy, to drive sustainable improvements in business performance and help support aspects of your pastoral duty of care responsibilities to your employees.
We're rated "Excellent" on Trustpilot
Why provide employees with an NHS Top-Up cash plan?
Improve staff retention
Attract and retain staff by including our cash plan in your wider reward strategy.
Improve wellbeing
Improve staff wellbeing for a healthier workforce.
Stress management
Reduce staff stress with access to an EAP which includes stress management, counselling and professional managerial support for the workplace.
Improve productivity
Improve staff productivity and motivation, with employees getting quicker access to medical treatments.
Reduce absenteeism
Reduce staff absenteeism due to mental and physical ill-health.
Core benefits
All benefit limits shown are per person per Cash Plan year, unless otherwise indicated. Qualifying and deferment periods apply to some benefits, which means that Cash Plan members will not be able to claim straight away. 75% or 100% reimbursement is available for each invoice received.
Cash benefits - 75% or 100% reimbursement available
A 30 day qualifying period applies
Level 1 | Level 2 | Level 3 | |
|---|---|---|---|
| Dental Treatment | £65 | £100 | £150 |
| Optical Treatment | £65 | £100 | £150 |
| Therapies Including four sessions on self-referral. | £200 | £300 | £400 |
| Specialist Consultations | £150 | £200 | £250 |
| GP Services | £50 | £100 | £150 |
Additional benefits - 100% reimbursement available
| New Baby 10 month qualifying period. | £50 | £100 | £200 |
| NHS Hospital Stay A maximum 20 nights. 30 day qualifying period. | £400 (£20 per day/night) | £700 (£35 per day/night) | £1,000 (£50 per day/night) |
| A&E Attendance £20 for each visit to an A&E department. | £20 (one visit) | £40 (two visits) | £60 (three visits) |
Member Support Services - available 24/7 and included on all Levels of Cover
| Remote GP Services | Remote GP Helpline | Video Consultations | Issuing of private prescriptions | Specialist referral |
| Employee Assistance Programme (EAP) Specialist telephone support (not available for family member(s) under 16 years of age) | Wellbeing and Health Information | Telephone Counselling | Online computerised Cognitive Behaviour Therapy (cCBT) Life Skills Course | Debt and Money Information and Support | Legal Information | Manager Support |
Extras
The following Extras are available on the NHS Top-Up Corporate Cash Plan.
Optional Extras
Up to the maximum benefit limits shown.
Benefit amount | |
|---|---|
| Scans and Screens One health screen every two consecutive Cash Plan years. 30 day qualifying period. | £200 |
| Allergy Testing Tests for allergic reactions or food intolerances when performed by an Allergist who holds appropriate medical qualifications. | £80 |
| Dental Injuries We will only reimburse to the maximum amounts listed in our Dental Schedule. 14 day deferment period. | £10,000 |
| Cosmetic Surgery Reconstructive plastic surgery to the upper body – arms, face, neck and breasts, following an accident or injury. 30 day qualifying period. | £20,000 |
| Essential European Cover The Essential European Cover benefit provides supplementary EHIC/GHIC cover when in the European Economic Area (EEA) and Switzerland. | £100,000 |
| Personal Accident The Personal Accident benefit provides a cash sum if a Cash Plan member has an accident or injury leading to the loss of sight, loss of a limb or the loss of the use of a limb. Can be claimed once per person per accident. | £15,000 |
| Structured Counselling Where clinically appropriate, following referral from the Employee Assistance Programme, up to six sessions of structured counselling. If chosen, this Extra will apply to all Corporate Cash Plan members. Please note that it is not available for family member(s) under 16 years of age. | Six sessions |
Premiums are per adult and include Insurance Premium Tax (IPT) at 12%. This is subject to change should the level of IPT change. Cash Plan members may include up to five children under the age of 18 at no additional charge. All children have the same benefit limits as the Cash Plan member. The adult premium applies to family member(s) over the age of 18.
What's not covered
As with all Cash Plans there are certain things that are not covered. For a full list of what isn't covered, please refer to the 'A Guide to Your Cash Plan', available as part of our quote process. Key exclusions include:
Any claims submitted more than six months after the treatment took place.- Fertility problems, pregnancy and childbirth (except the cash benefit provided under the New Baby benefit).
- Neonatal treatment.
- Any long-term monitoring, management or treatment of incurable, prolonged or lifelong condition(s) (chronic conditions).
- Treatment for unborn babies/foetuses/embryos. Any birth defect or congenital abnormality whether identified at birth or prior to joining the Cash Plan.
- Care and/or treatment arising from or related to taking part in winter sports (e.g. skiing, snowboarding) or any accident or injury that occurs whilst on a winter sports holiday and whilst staying in a winter sports resort.
What is a qualifying period?
This is a period during which your Cash Plan is in force but no benefit is payable. Following the expiry of a qualifying period you are covered for the eligible treatment but not if that treatment has taken place during the qualifying period.
What is a deferment period?
This is a period during which your Cash Plan is in force but no benefit is payable. Following the expiry of a deferment period, you are covered for the eligible treatment of any symptom or condition, but not if the symptom or condition arose, whether diagnosed or not, within the deferment period.
A 14 day deferment period applies to dental injuries which occur and any cancers diagnosed, or for which symptoms or signs develop, within the first 14 days of your Cash Plan commencing, unless declared to and accepted in writing by WPA.
Making the most of your membership
We've teamed-up with a select range of organisations to provide you with enhanced health, wellbeing and lifestyle special offers which are in addition to your Cash Plan benefits:
You will be able to access all the offers within the WPA Health app or through My WPA once you have joined.
Full details, including any terms and conditions, are provided upon joining.
Frequently asked questions
Here's a selection of questions and answers that we've already helped our customers with.
Employer FAQs
Just ask your employee to sign in to their secure online account to make a claim and follow the on-screen instructions.
Yes. Apart from the Face to Face Counselling benefit, which, if chosen, must be made available to all cash plan members.
Yes. For each employee up to 5 children, under the age of 18, can be included on their cash plan membership at no extra charge.
Children must be living at the same address as their parent unless they are living away for full time education. Children may remain part of the cash plan up to the age of 21 (or 25 if in full time education) or until they move out of the family home.
Employee FAQs
Once you've received eligible healthcare treatment, please pay your provider's bill in full and make a claim within six months of the treatment date. To make a claim, sign in to your secure online account and follow the on-screen instructions. We'll pay all eligible claims directly into your bank account and send you confirmation by SMS text.
All claims for Essential European Cover, Cosmetic Surgery, Dental Injuries and Personal Accident must be pre-authorised by calling us before treatment takes place.
For a Dental Injuries claim, you must attend an emergency appointment and contact us within 72 hours of sustaining the injury.
Sign in to your account to keep track of your claims. You can also see any invoices we've received, make administrative changes to your plan and message us securely.
Health screens must be carried out by medically qualified staff in a hospital or clinic and include well man, well woman, mammograms, bone density screening and heart disease screening.
If your cash plan includes the Scans and Screens option, we provide benefit for one health screen per person every two cash plan years, up to the maximum annual benefit limit. Please be aware that unless smear tests form part of a well woman or full body health screen, they will not be covered.
The following qualifying periods/rules apply:
- New Baby has a 10 month qualifying period;
- Cosmetic Surgery has a 30 day qualifying period;
- Dental Injuries - you cannot claim for the treatment of a dental injury experienced before becoming an NHS Top-Up Corporate cash plan member. If you suffer a dental injury you must attend an emergency appointment and notify us within 72 hours of the injury;
- Personal Accident - you cannot claim for treatment as a result of a personal accident experienced before becoming an NHS Top-Up Corporate cash plan member;
Want to create a truly bespoke plan for your company?
We understand each business is different, and that our pre-defined NHS Top-Up plans may not be quite right if you want to insure up to 300 employees on a company paid basis.WPA's Precision Corporate Healthcare scheme allows you to craft bespoke cash plans and hybrid schemes (PMI / cash plans) to reflect the unique needs and goals of an organisation.
Precision Corporate HealthcareHelp & advice
Find your local WPA Healthcare Practice
Our specialist Healthcare Practice Partners are available to talk through your choices and answer your questions face to face.
Contact us
If you'd rather talk to someone about our Company Schemes, please give our UK team a call on 01823 625247.