NHS Top-Up Personal premiums & benefits

You don’t have to be ill to benefit from our NHS Top-Up cash plan. Three levels of cover and the option to add a number of extras puts you in control of tailoring the right plan for your needs.

Monthly premiums

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.

Level 1

£13.50

Level 2

£23.61

Level 3

£38.12

Core benefits

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. 75% or 100% reimbursement is available for each invoice received.

Cash Benefits
75% or 100% reimbursement available (A 30 day qualifying period applies).

Dental Routine dental treatment (check-ups, scale & polish, x-rays, fillings and hygienist).
£65
£100
£150
Optical Eye tests and prescription glasses, contact lenses and prescription sunglasses.
£65
£100
£150
Therapies Physiotherapy, osteopathy, acupuncture, chiropractic care, homeopathy, chiropody or podiatry.
£200
£300
£400
Specialist Consultations A specialist consultation or 2nd opinion – giving peace of mind that a proposed treatment is right for you.
£150
£200
£250
GP Services Private GP consultation(s), diagnostic tests, vaccinations and prescription charges.
£50
£100
£150

Additional Benefits
100% reimbursement available

New Baby On the birth or adoption of a new child.
(A 10 month qualifying period applies.)
£50
£100
£200
Hospital Stay For each day/night spent in an NHS hospital (maximum of 20 nights).
(A 30 day qualifying period applies.)
£400

(£20 per day/night)
£700

(35% per day/night)
£1,000

(£50 per day/night)
A&E Attendance For each visit to an A&E department
£20

(max one visit)
£40

(max two visits)
£60

(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 of cover

Extras to enhance the core benefits
The following Extras are available on the NHS Top-Up Personal cash plan.

Optional Extras
Up to the maximum benefit limits shown

Annual benefit

Monthly premium

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 1 health screen every 2 consecutive cash plan years.
£200
+ £1.85
Dental Injuries 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.)
£10,000
+ £2.60
mycancerdrugs 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.)
£50,000

(lifetime benefit)
+ £4.40

(£10.55 for smokers)
Cosmetic Surgery Reconstructive plastic surgery to upper body (arms, face, neck and breasts) following an accident or injury. (A 30 day qualifying period applies.)
£20,000
+ £3.15
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.
£100,000
+ £1.05
Personal Accident 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.
£15,000
+ £0.55

All premiums are per adult and include Insurance Premium Tax (IPT) at 12%. This is subject to change should the level of IPT change. You 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.

Download documents


Apply for a plan

  • Choose from 3 levels of cover and additional Optional Extras to tailor the plan to fit your needs.
  • 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.
Apply online

Alternatively you can:

  • Download the Application Form and we recommend that you read the Information Leaflet.
  • Call us on 01823 625050 to talk to our highly trained and experienced UK team, or get in touch with your local WPA Healthcare Practice to speak to one of our expert team face to face.

Need help?

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.