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.

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, or advanced cancer drugs, not available on the NHS, if you include the mycancerdrugs Extra. 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.

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

Why should I provide my employees with an NHS Top-Up cash plan?

staff retention

Attract and retain staff by including our cash plan in your wider reward strategy.


Improve staff wellbeing for a healthier workforce.


Reduce staff stress with access to an EAP which includes stress management, counselling and professional managerial support for the workplace.


Improve staff productivity and motivation, with employees getting quicker access to private medical treatments.


Reduce staff absenteeism due to mental and physical ill-health.

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' in the 'Download documents' section below. It's really important that we highlight these to you before you join us.

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.
  • Mental health conditions (except 24/7 helpline).
  • 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 Corporate cash plan members wants to make a claim?

Can we mix and match cover between corporate cash plan members?

Does the NHS Top-Up Corporate cash plan cover employees' children?

Employee FAQs

How do I make a claim?

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

Can I claim straight away?

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.

View the premiums & benefits

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

  • Choose from 3 levels of cover and additional Optional Extras to tailor the plan for your staff and business needs.
  • Choose 75% or 100% reimbursemment of eligible expenses, up to an annual limit.
  • Up to 5 children under the age of 18 can be included at no extra charge and will have the same benefit limits as the corporate cash plan member.
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.