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.

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 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

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?

Get a quote

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

  • 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.
Get a quote

Help & advice

Contact us

If you’d rather talk to someone about becoming a member, please give our UK team a call on 01823 625050.