NHS Top-Up Corporate premiums & benefits

Your team doesn't have to be ill to benefit from our NHS Top-Up Corporate cash plan. Three levels of cover and the option to add advanced levels of care puts them in control of tailoring the right plan for their needs.

Monthly premiums

Select reimbursement level

This is the percentage of eligible treatment costs we will reimburse, up to the annual benefit limit, of the benefits categorised as 'Cash benefits' below.

Monthly premiums
(Per corporate cash plan member)

Include up to five children under the
age of 18 at no additional charge.

Level 1

3-9 members
10 + members

Level 2

3-9 members
10 + members

Level 3

3-9 members
10 + members

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.

Cash Benefits
75% or 100% reimbursement available

Dental Routine dental treatment (check-ups, scale & polish, x-rays, fillings and hygienist).
Optical Eye tests and prescription glasses, contact lenses and prescription sunglasses.
Therapies Physiotherapy, osteopathy, acupuncture, chiropractic care, homeopathy, chiropody or podiatry. Up to four sessions of self-referred therapy.
Specialist Consultations A specialist consultation or second opinion - giving peace of mind that a proposed treatment is right for you.
GP Services Private GP consultation(s), diagnostic tests, vaccinations and prescription charges.

Additional Benefits
100% reimbursement available

New Baby On the birth or adoption of a new child.
(A 10 month qualifying period applies.)
Hospital Stay For each day/night spent in an NHS hospital (maximum of 20 nights).

(£20 per day/night)

(£35 per day/night)

(£50 per day/night)
A&E Attendance £20 for each visit to an A&E department, up to a maximum number of visits.

(one visit)

(two visits)

(three visits)
NHS Car Parking Up to £300 for cancer treatment or £50 for other hospital treatment (as a patient or for visitors' parking when you are a patient).
Overall maximum of £300

(when receiving cancer treatment)

Remote benefits
Available 24/7 and included on all Levels of Cover

Remote GP Services Remote GP Helpline • Video Consultations • 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 to enhance the Core benefits
The following Extras are available on the NHS Top-Up Corporate Cash Plan.

Up to the maximum benefit limits shown

Annual benefit

Monthly premium

Scans and Screens A choice of a health screen (e.g. well man or well woman check) or benefit towards an MRI/CT scan or ultrasound if arranged by a specialist. We will only cover the cost of one health screen every two consecutive Cash Plan years.
+ £1.10
Allergy Testing Tests for allergic reactions or food intolerances when performed by an Allergist who holds appropriate medical qualification.
+ £0.65
Dental Injuries Restorative dental treatment needed as a result of an external blow to the face, teeth or jaw. To claim, Cash Plan members must visit an A&E department or dentist (and call WPA) within 72 hours of the injury.
+ £2.60
mycancerdrugs Up to £50,000 per person per lifetime for Targeted Cancer Therapies not available on the NHS; this benefit includes the drugs and the cost of administering these. Benefit will be removed at the renewal following a Cash Plan member's 66th birthday.

(lifetime benefit)
+ £4.50

(£10.55 for smokers)
Cosmetic Surgery Reconstructive plastic surgery to upper body (arms, face, neck and breasts) following an accident or injury (a 30 day qualifying period applies).
+ £3.10
Essential European Cover Supplementary EHIC/GHIC cover up to £100,000 when in the European Economic Area (EEA) and Switzerland. Cover includes air ambulance (where medically necessary), hospital costs, x-rays, GP fees and 24/7 international telephone support.
+ £1.10
Personal Accident 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.
+ £0.65
Structured Counselling Confidential counselling over the phone on personal issues and, where clinically appropriate, onward referral to structured counselling services. Available 24/7. If you choose this extra it will apply to all corporate cash plan members aged 16 or over.
Six sessions
+ £1.10

All 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 on your Cash Plan at no additional charge. All children will have the same benefit limits as the Cash Plan member. The adult premium applies to family member(s) over the age of 18.

All benefit limits shown are per person per Cash Plan year, unless otherwise indicated. Qualifying and deferment periods apply to some benefits, which means Cash Plan members will not be able to claim straight away. Please refer to the 'A Guide to Your Cash Plan' in the 'Download documents' section below for full details of the benefits and terms and conditions.

What isn't 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 on request.

Key exclusions include:

  • Any claims submitted more than six months after the treatment took place.
  • Any long-term monitoring, management or treatment of incurable, prolonged or lifelong condition(s) (chronic conditions).
  • Fertility problems, pregnancy and childbirth (except the cash benefit provided under the New Baby benefit).
  • Neonatal treatment.
  • Treatment for unborn babies/fetuses/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.

Download documents

What next?

Contact us

If you'd rather talk to someone about our Company Schemes, please give our UK team a call on 01823 625247.