Why should I buy an NHS Top-Up cash plan?
These are just some of the things that you will be covered for with your NHS Top-Up cash plan.
Optical
Look after your eyesight with money back on regular eye tests, along with prescription glasses and contact lenses.
Dental
Keep your teeth in tip-top condition with cover for routine dental treatments.
Therapies
Improve your health and wellbeing with physiotherapy, chiropractic treatment, osteopathy and more.
Parking
Cashback on NHS car parking, and for staying in hospital or attending A&E.
Specialists
Money back on specialist consultations to give you peace of mind for proposed treatment pathways.
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.
- Telephone counselling.
- Debt and money information and support.
- Legal information.
Details are provided upon joining.
View all benefitsWhat 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.
Download documents
Frequently asked questions
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