Call us on 0800 678 5605
Lines are open Mon - Thurs 9am to 5pm and Fri 9am to 4pm
Need help claiming?
We take great pride in paying our customers claims promptly and efficiently. We aim to process all claims within three working days of receipt (plus the time needed to settle in the banking system) ensuring you receive your money promptly. You can choose to have your claims paid by direct credit into a bank account or by cheque. As long as you claim within six months of the date of your treatment or the completion date of your in-patient treatment we will be happy to process your claim.
Claim immediately - cover from day one
Once you’ve taken out a Sovereign Health Care cash plan you can claim immediately as we will waive the usual 13 week qualifying period. You can claim straight away for treatment received on or after the date on your policy certificate. Cover for all benefits is immediate except for the maternity/adoption benefit which has a 52 week qualifying period. Pre-existing conditions (a condition that existed prior to joining) are not covered except for optical, dental, chiropody/podiatry and health screening benefits.
How do I make a claim?
Making a claim is simple. There are three different types of claim dependent upon what you’re claiming for. For more details on how to make a claim, select the type of claim you’re making from the options below and follow the instructions.
Standard claims – you have a receipt(s) and would like to claim some cash back
- Download, print off and complete the appropriate sections on the health care cash plan claim form.
- Double check that your receipt(s) details the name of the person who received treatment, the name of the practitioner, details of the treatment and the date it took place.
- Send your completed claim form together with your original named receipt(s) to our claims department and we’ll take it from there.
Hospital claims – you have been admitted as an in-patient or a day case
- Download, print off and complete the appropriate sections on the health care cash plan claim form.
- Ask the hospital to complete Section E with their details, the details of the procedure and they should also sign and stamp the form.
- Send your completed claim form to our claims department and we will take it from there.
Maternity/Adoption claims – available once you have completed the 52 week qualifying period
- Download, print off and complete the appropriate sections on the health care cash plan claim form.
- Send your completed claim form to our claims department along with a copy of the child’s full birth certificate or adoption papers showing the name of the policy holder.
If you would like to make a claim and you don't have a claim form you can request one by either:
- Downloading one here
- Calling us on 01274 841160 and we'll be happy to pop one in the post for you. Lines are open Monday to Thursday 9am to 5pm and Friday 9am to 4pm.
- Emailing claims@sovereignhealthcare.co.uk, please remember to include your policy number, name and address on your email.
Completed claim forms should be posted to:
Claims Department
Sovereign Health Care
Royal Standard House
26 Manningham Lane
Bradford
West Yorkshire
BD1 3DN
Please remember to affix the correct postage to the envelope.
It depends upon your chosen level of cover and the benefit you're claiming for. See the schedule of benefits for full details. All benefits, with the exception of hospital stays, recuperation and maternity/adoption, pay up to 50% of the costs incurred by you up to your cover level maximum in one benefit year. Any hospital stay benefits are paid on either a per day/per night basis up to the limit of your policy. The recuperation benefit is paid as a set amount dependent upon your level of cover. The maternity/adoption benefit pays a fixed amount dependant upon your cover level and has a 52 week qualifying period.
You can claim for treatment received anywhere in the world from a qualified practitioner. For example if you buy your glasses whilst you're abroad, you can claim for these under your Sovereign Health Care cash plan. Claims paid for treatment received outside the UK are paid in pounds sterling at the prevailing exchange rate on the date Sovereign Health Care settles your claim.
Direct credit is an easy way to have your claims paid straight into a bank account of your choice. Setting up direct credit on your policy means that you don't have the hassle of having to pay a cheque into the bank and then waiting for it to clear. Also you don't have to worry about cheques getting lost or delayed in the post.
If you would like your claims to be paid by direct credit in the future simply download and complete a direct credit form and return it to:
Customer Services
Sovereign Health Care
Royal Standard House
26 Manningham Lane
Bradford
West Yorkshire
BD1 3DN
If you have any questions about the direct credit process call our customer services team on 01274 841130. Lines are open Monday to Thursday 9am to 5pm and Friday 9am to 4pm.