NHS Top-Up Personal health cash plan

Get money back on essential routine healthcare costs for you and your family. Your children are included for free, no medical examination is required, and you can join up to the age of 65.

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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.


Look after your eyesight with money back on regular eye tests, along with prescription glasses and contact lenses.


Keep your teeth in tip-top condition with cover for routine dental treatments.


Improve your health and wellbeing with physiotherapy, chiropractic treatment, osteopathy and more.


Cashback on NHS car parking, and for staying in hospital or attending A&E.


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.
  • Single-session Telephone Counselling.
  • Debt and money information and support.
  • Legal information.

Details are provided upon joining.

What's not 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 as part of our quote process.

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.

View the plan benefits

Advice from your local WPA Healthcare Practice

Finding the right healthcare solution for your needs can be confusing, that's why we created the WPA Healthcare Practice, a wholly owned subsidiary of WPA, authorised and regulated by the Financial Conduct Authority. This means we have Healthcare Partners across the UK that can advise you on WPA's products and services and provide access to the sort of healthcare that we want for ourselves and our families.

All Healthcare Partners hold, or are studying towards, the Chartered Insurance Institute (CII) Certificate in Insurance and are fully trained in all of WPA's products and services. So you can be confident you are working with qualified and professional advisors. Find your local Healthcare Partner to help you at every step of the journey.

Healthcare Practice

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.

Does the NHS Top-Up Personal cash plan cover pre-existing conditions?

Can I claim on my health cash plan straight away?

Which of the health cash plan benefits require GP or specialist referral?

Can couples have different cover to each other?

NHS Top-Up Personal

A simple cash plan that lets you claim your money back on everyday healthcare expenses.

Get a quote in minutes and find out how much you would pay.

Get a quote

Or call

01823 625050

(Monday - Friday 9am - 5pm)