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.
What is a Cash Plan?
Unlike health insurance, which covers the treatment of unforeseen medical conditions, our NHS Top-Up Cash Plan contributes towards the cost of everyday healthcare, such as dental check-ups, eye tests at opticians or physiotherapy appointments - which means you don't have to be ill to benefit. What's more, you can include up to five children under the age of 18 at no extra charge.
NHS Top-Up is an affordable and simple way to recover some of the costs of essential, foreseeable healthcare and manage these everyday expenses.
You can manage your membership on the go, including making a claim, with the WPA Health app (available on the App Store and Google Play) or through My WPA - our secure online portal.
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How does a Cash Plan work?
Our NHS Top-Up Cash Plan offers three levels of cover. The benefits across each level are the same, however the benefit amounts increase with each level.
Once you have decided which level is best for you, you can choose to enhance your benefits with a range of Extras. For example, dental injuries and cover whilst abroad.
Using the Cash Plan couldn't be easier
In most instances, authorisation of a claim is quick and easy - simply use the WPA Health app, or visit my.wpa.org.uk.
Receive treatment
You receive treatment and pay your treatment provider directly.
Submit your claim
Start a claim via the WPA Health app or online through My WPA.
Payment
We'll reimburse the eligible costs quickly into your bank account.
Qualifying periods apply to some benefits, which means that you will not be able to claim straight away. For the main cash benefits, you choose either 75% or 100% reimbursement, up to the benefit limits shown.
Get a Personal Cash Plan quote in minutes and see how much you would pay
Get a quoteCore 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.
Level 1 | Level 2 | Level 3 | |
|---|---|---|---|
| Dental Treatment | £65 | £100 | £150 |
| Optical Treatment | £65 | £100 | £150 |
| Therapies Including four sessions on self-referral. | £200 | £300 | £400 |
| Specialist Consultations | £150 | £200 | £250 |
| GP Services | £50 | £100 | £150 |
Additional benefits - 100% reimbursement available
| New Baby 10 month qualifying period. | £50 | £100 | £200 |
| NHS Hospital Stay A maximum 20 nights. 30 day qualifying period. | £400 £20 per day/night | £700 £35 per day/night | £1,000 £50 per day/night |
| A&E Attendance £20 for each visit to an A&E department. | £20 One visit | £40 Two visits | £60 Three visits |
Health & Wellbeing benefits
The following benefits are included on all three levels of cover and are available 24/7.
| Remote GP Services | Remote GP helpline | Video consultations | Issuing of private prescriptions | Specialist referral |
| Health and Wellbeing Helpline Not available for family members under 16. | Wellbeing and Health Information | Single-session Telephone Counselling | Online computerised Cognitive Behaviour Therapy (cCBT) Life Skills Course | Debt and Money Information and Support | Legal Information | Manager Support |
Extras
The following Extras are available on the NHS Top-Up Personal Cash Plan.
Optional Extras
Up to the maximum benefit limits shown.
Benefit amount | |
|---|---|
| Scans and Screens One health screen every two consecutive Cash Plan years. 30 day qualifying period. | £200 |
| Dental Injuries We will only reimburse to the maximum amounts listed in our Dental Schedule. 14 day deferment period. | £10,000 |
| Cosmetic Surgery Reconstructive plastic surgery to the upper body - arms, face, neck and breasts, following an accident or injury. 30 day qualifying period. | £20,000 |
| Essential European Cover The Essential European Cover benefit provides supplementary EHIC/GHIC cover when in the European Economic Area (EEA) and Switzerland. | £100,000 |
| Personal Accident The Personal Accident benefit provides 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 |
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 adult members on cover. The adult premium applies to family member(s) over the age of 18.
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.- Mental health conditions (except where Member Support Services apply).
- Cosmetic surgery (unless the Cosmetic Surgery Extra has been chosen, however please see exclusions specific to this Extra).
- Benefit associated with any medical conditions (excluding the Optical and Core Dental benefits) you had when you took out the plan (pre existing conditions).
- Pregnancy, fertility problems, assisted conception, contraception, miscarriage, sterilisation and childbirth (except the cash benefit provided under the New Baby benefit).
- Any long-term monitoring, management or treatment of incurable, prolonged or lifelong condition(s) (chronic conditions).
What is a qualifying period?
This is a period during which your Cash Plan is in force but no benefit is payable. Following the expiry of a qualifying period you are covered for the eligible treatment but not if that treatment has taken place during the qualifying period.
What is a deferment period?
This is a period during which your Cash Plan is in force but no benefit is payable. Following the expiry of a deferment period, you are covered for the eligible treatment of any symptom or condition, but not if the symptom or condition arose, whether diagnosed or not, within the deferment period.
A 14 day deferment period applies to dental injuries which occur and any cancers diagnosed, or for which symptoms or signs develop, within the first 14 days of your Cash Plan commencing, unless declared to and accepted in writing by WPA.
Making the most of your membership
We've teamed-up with a select range of organisations to provide you with enhanced health, wellbeing and lifestyle special offers which are in addition to your Cash Plan benefits:
You will be able to access all the offers within the WPA Health app or through My WPA once you have joined.
Full details, including any terms and conditions, are provided upon joining.
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.
Frequently asked questions
Here's a selection of questions and answers that we've already helped our customers with.
No. Pre-existing conditions, including undiagnosed symptoms, are not covered by the NHS Top-Up Personal cash plan but optical and dental benefits are covered.
A 30 day qualifying period applies to all NHS Top-Up Personal benefits, apart from:
- A&E Attendance, which can be claimed straight away.
- New Baby, which has a 10 month qualifying period.
- Dental Injuries, which has a 14 day deferment period. If you suffer a dental injury, you must attend an emergency appointment and notify us within 72 hours of the injury.
- Personal Accident, which cannot be claimed as a result of an accident experienced before joining the NHS Top-Up Personal cash plan.
A GP or specialist referral is required for:
- Specialist Consultations and second opinions;
- Therapies, if more than 4 sessions are claimed within a single NHS Top-Up Personal cash plan year;
- Scans and Screens for MRI, CT and ultrasound scans;
- Cosmetic Surgery;
- Dental Injuries;
- Personal Accident.
Health screens must be carried out by medically qualified staff in a hospital or clinic and include well man, well woman, mammograms, bone density screening and heart disease screening.
If you include the Scans and Screens option in your cash plan, we provide benefit for one health screen per person every two cash plan years, up to the maximum annual benefit limit. Please be aware that unless smear tests form part of a well woman or full body health screen, they will not be covered.
No. All family members must have the same level of cover.
The maximum joining age is 65, with renewal terms available thereafter.
Once you've received eligible healthcare treatment, please pay your treatment provider's bill in full and make a claim within six months of the treatment date. To make a claim, sign in to your secure online account and follow the on-screen instructions. We'll pay all eligible claims directly into your bank account and send you confirmation by SMS text.
All claims for Essential European Cover, Cosmetic Surgery, Dental Injuries, and Personal Accident must be pre-authorised by calling us before treatment takes place.
For a Dental Injuries claim, you must have an emergency appointment and contact us within 72 hours of sustaining the injury.
Speak to your contact lens provider and let them know you want to make an insurance claim. Ask them for proof of payment or a statement to satisfy an insurance company. Please note that we will only reimburse you for the cost of the lenses themselves, not any additional charges incurred such as consumables or optical insurance premiums.
Before being able to take out one of our cash plans, you must have been resident in the UK for at least six months and have been registered with an NHS GP for at least six months. You must remain registered with an NHS GP whilst insured by us. Please take a look at A Guide to Your Cash Plan for full details.
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Find your local adviser
We have fully trained Healthcare Partners across the UK that can advise you on WPA's products and services.