NHS Top-Up Personal

Get money back on healthcare
expenses for you and your family.


In the UK, we benefit from one of the best healthcare systems in the world. But making trips to hospital or paying for routine healthcare, like GP prescriptions, dental check-ups or eye tests, means costs can mount up.

You may also need to pay for therapeutic treatments, such as a chiropractor or physiotherapist. We can help you claim your money back on these expenses and much more, such as access to advanced cancer drugs not readily available on the NHS.

If you’d like to talk through the NHS Top-Up cash plan, our expert team are here to help. Giving you certainty and peace of mind, whatever life has in store.

Your health, your choice

  • Choose from 3 levels of cover to start creating your plan.
  • Decide which additional options are right for you.
  • Your choice of claiming back 75% or 100% of eligible expenses, up to an annual limit.
  • Include up to 5 children, under the age of 18, for free.
  • Option to pay your premium monthly.

What's covered

  • Eye tests, prescription glasses or contact lenses.
  • Dental treatments.
  • Therapies, such as physiotherapy and chiropractic care.
  • NHS car parking, and cash back for staying in hospital or attending A&E.
  • Specialist consultation and second opinion.

What isn't covered

  • Any claims submitted more than 6 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).
  • Long term (chronic) conditions (which are long term illnesses that lead to long term monitoring or management).
  • Childbirth, fertility or neonatal treatment (except New Baby benefit).
  • Psychiatric conditions (except stress counselling as part of the Medical/Legal Helpline benefit).

For a full list of what isn’t covered, please refer to the guide in the ‘download documents’ section below.

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.

Are pre-existing conditions covered?

Can I claim straight away?

Which benefits require GP or specialist referral?

Health screening - does NHS Top-Up cover mammogram & smear tests?

Can couples have different cover to each other?

What next?

Buy online

Buy online now, it's quick and easy

Contact us

If you’d rather talk to someone over the telephone, please give our highly trained and experienced UK team a call on 01823 625050