NHS Top-Up Voluntary premiums & benefits

Your team doesn't have to be ill to benefit from our NHS Top-Up Voluntary 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 adult)

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

Level 1


Level 2


Level 3


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).

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 20 nights).
(A 30 day qualifying period applies).

(£20 per day/night)

(£35 per day/night)

(£50 per day/night)
A&E Attendance £20 for each visit to an A&E department.

(max one visit)

(max two visits)

(max 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 Private GP Helpline • Video Consultations • Private Prescriptions • Specialist Referral
Included on all Levels
Health and Wellbeing Helpline Wellbeing and Health Information • Single-session Telephone Counselling • Online computerised Cognitive Behaviour Therapy (cCBT) Life Skills Course • Debt and Money Information and Support • Legal Information • Manager Support
Included on all Levels

Extras to enhance the core benefits
The following Extras are available on the NHS Top-Up Corporate cash plan.

Optional Extras
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. (A 30 day qualifying period applies).
+ £1.85
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. (A 14 day qualifying period applies).
+ £2.60
mycancerdrugs £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. (A 90 day deferment period applies).

(lifetime benefit)
+ £4.40

(£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).
+ £3.15
Essential European Cover Supplementary EHIC/GHIC cover 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.
+ £1.05
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.
+ £0.55

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 that you 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.
  • 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

What next?

Contact us

If you'd rather talk to someone about becoming a member, please give our UK team a call on 01823 625050.