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.
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.
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.
75% or 100% reimbursement available (A 30 day
qualifying period applies).
Eye tests and prescription glasses, contact lenses and prescription sunglasses.
Physiotherapy, osteopathy, acupuncture, chiropractic care, homeopathy, chiropody or podiatry.
A specialist consultation or second opinion – giving peace of mind that a proposed treatment is right for you.
Private GP consultation(s), diagnostic tests, vaccinations and prescription charges.
Additional Benefits 100% reimbursement available
On the birth or adoption of a new child.
(A 10 month qualifying period applies.)
For each day/night spent in an NHS hospital (maximum of 20 nights).
(A 30 day qualifying period applies.)
(£20 per day/night)
(£35 per day/night)
(£50 per day/night)
£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)
Health and Wellbeing Helpline
24/7 telephone support for you and your family member(s)
Included on all Levels
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
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.)
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.)
Up to £50,000 per person per lifetime for Targeted/Biological 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.)
(£10.55 for smokers)
Reconstructive plastic surgery to upper body (arms, face, neck and breasts)
following an accident or injury. (A 30 day qualifying period applies.)
Essential European Cover
Supplementary EHIC cover up to £100,000 when in the European Economic Area (EEA).
Cover includes air ambulance (where medically necessary), hospital costs, x-rays,
GP fees and 24/7 international telephone support.
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.
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' 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.
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.
If you’d rather talk to someone about becoming a member,
please give our UK team a call on 01823 625050.