NHS Top-Up Personal health cash plan

Get money back on essential routine
healthcare costs for you and your family.

Health cash plan overview

We benefit from one of the best healthcare systems in the world. But looking after the health and wellbeing of you and your family can still lead to expensive costs. With our NHS Top-Up Personal health cash plan, you can stop worrying. Each time you receive eligible treatment, we’ll reimburse the costs straight back to you. Leaving you to get on with enjoying life.

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

Your children are included for free. No medical examination is required, and you can join up to the age of 65.

If you’d like to talk through the NHS Top-Up cash plan, our expert team are here to help.

Why should I buy an NHS Top-Up health cash plan?

These are just some of the things that you will be covered for with your NHS Top-Up cash plan. Scroll down to view all benefits.


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.

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 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.

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?

What next?

Buy online

Take out a plan online. It’s quick, simple and straightforward.

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