NHS Top-Up for businesses

Affordable and straightforward cash plans to help take care of your employees' health and wellbeing.

Choose your NHS Top-Up plan

Whatever the size of your business, we can help your staff to feel valued by enabling them to claim money back on their healthcare expenses. Prescription charges, trips to the dentist and opticians, never mind taking care of your backache with visits to the chiropractor, means costs quickly spiral.

That's why we created our innovative NHS Top-Up business cash plans. So your staff can get money back for the eligible treatments that they need.

By investing in an NHS Top-Up business cash plan, you'll help to increase retention, motivation, and productivity.

Available to companies, unions and associations, NHS Top-Up Voluntary provides your team with access to the great benefits that our NHS Top-Up Personal cash plan provides. The cash plan is easy to administer as your team can pay the premiums directly to us.

No matter the size of the group, we can help them feel valued and get money back on routine healthcare such as prescriptions, dental and optician appointments and much more. So your team doesn't have to be ill to benefit from our NHS Top-Up Voluntary cash plan. However, if they are unwell, we can help them get quicker access to therapeutic treatments, such as a chiropractor or physiotherapist, or advanced cancer drugs, not available on the NHS, if you include the mycancerdrugs Extra. Members will also benefit from an independent and confidential Medical and Legal Helpline 24 hours a day, 365 days a year, providing professional advice in difficult times.

If you'd like to talk through how to create the best plan for your group, our expert team are here to help.

What are the benefits of an NHS Top-Up cash plan?


Look after your eyesight with money back on regular eye tests, along with prescription glasses and contact lenses.


Keep your teeth in great condition with cover for routine dental treatments.


Improve your health and wellbeing with physiotherapy, chiropractic treatment, osteopathy and more.

NHS Car Parking

Cashback on NHS car parking, for staying in hospital or attending A&E.


Money back on specialist consultations to give you peace of mind that a proposed treatment is right for you.

Making the most of your membership

Medical and Legal Helpline Included

Specialist 24/7 telephone support included with all levels of cover

  • Wellbeing and health information.
  • Single-session Telephone Counselling.
  • Debt and money information and support.
  • Legal information.

Details are provided upon joining.

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.
  • Benefit associated with any medical conditions (excluding optical or dental) you had when you took out the plan (pre-existing conditions).
  • Any long-term monitoring, management or treatment of incurable, prolonged or lifelong condition(s) (chronic conditions).
  • Fertility problems, pregnancy and childbirth.
  • Mental health conditions (except stress counselling as part of the Medical/Legal Helpline benefit).
  • Injuries sustained through winter sports.

Download documents

Frequently asked questions

How can we help? Healthcare can be confusing, but we don't think it should be. Choose a topic to find out more.

Employer FAQs

What happens if one of our NHS Top-Up Voluntary cash plan members wants to make a claim?

Can we mix and match cover between group plan members?

Does the NHS Top-Up Voluntary cash plan cover family members of the group plan member?

Employee FAQs

Health screening - does the NHS Top-Up Voluntary cash plan cover mammogram & smear tests?

How do I make a claim?

How can I claim for contact lenses?

View the premiums & benefits

View details of all the NHS Top-Up Voluntary benefits and premiums payable per member.

  • 3 levels of cover and additional Optional Extras to tailor the plan.
  • Choice of claiming back 75% or 100% of eligible expenses, up to an annual limit.
  • Each member can include up to 5 children, under the age of 18, for free.
View premiums & benefits

Help & advice

Contact us

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