Frequently asked questions

A health care cash plan is a type of insurance policy but it's designed to be used.

With the Sovereign Health Care cash plan, when you make a claim you will receive back 50% of the costs you have incurred up to the maximum cover level. Some benefits pay fixed amounts. See the schedule of benefits for details.

The Sovereign Health Care cash plan also includes a range of preventive benefits, such as health screening, enabling you to be proactive about looking after your health.

The Sovereign Health Care cash plan is designed to help you financially when you need to access health care. By paying a small amount each month you will get cash back towards treatment you have received. It can help you budget for the everyday costs of health care - cost no longer has to be a reason for delaying treatment.

Anyone under the age of 76 can join Sovereign Health Care and you can remain a customer for as long as you wish, subject to you keeping your premiums up to date.

Yes - you can include any dependant children under the age of 17 who live with you at no extra cost for specified benefits. You also have the option of covering your partner too.

No medical is needed however any pre-existing conditions (a condition that existed prior to joining) are not covered except for optical, dental, chiropody/podiatry and health screening benefits.

You pay your premiums monthly by Direct Debit. Premiums are collected on or around the 10th of each month. To apply online, the bank account that you want your Direct Debit to be deducted from has to be in your own name, or a joint account where either of you can authorise payment.

Simply click apply now and complete our straightforward online application form. Alternatively you can call 0800 678 5605 and join over the telephone. Lines are open Monday to Thursday 9am to 5pm and Friday 9am to 4pm.

It depends upon your chosen level of cover and the benefit you're claiming for. See the schedule of benefits for full details. Benefits marked "up to" are paid at 50% of the cost 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 dependant upon your level of cover. The maternity/adoption benefit pays a fixed amount dependent upon your cover level and has a 52 week qualifying period.

Calculator guide for the optical and dental benefits

The following examples are for illustrative purposes only and show what you would receive when making a claim for optical and dental benefits. The examples are based on cover level 2.

Example 1 - optical

Cover level 2 pays up to £90 towards adult optical costs per benefit year. When you make a claim you will receive back 50% of the costs you have incurred up to your cover level maximum). So if you have a receipt for £120 for a new pair of glasses you would receive back £60 as this is 50% of the receipt value. You would then have £30 still left to claim in the rest of your benefit year because your cover level maximum is £90.

Example 2 - dental

Cover level 2 pays up to £70 towards adult dental costs per benefit year. When you make a claim you will receive back 50% of the costs you have incurred up to your cover level maximum). So if you have a receipt for £60 for a check up and x-rays you would receive back £30 as this is 50% of the receipt value. You would then have £40 still left to claim in the rest of your benefit year because your cover level maximum is £70.

Useful things to know about the Sovereign Health Care cash plan

Everyone pays the same price at each level of cover

Unlike other forms of insurance everyone, regardless of gender, age or medical history pays the same price at each level of cover, meaning the cost of your cover will not increase as you get older. Periodically premiums will change when we review the scheme to take into account medical inflation and the benefits offered. We will give you at least one month's notice in writing if we are changing the premiums payable.

You can be covered for as long as you wish

You can remain a customer of Sovereign Health Care and continue to enjoy benefits for as long as you like, subject to you paying your premiums on time. Cover continues for as long as you wish, you don't have to worry about renewing your policy or being tied in for a fixed period. It's important that you keep us informed of any changes in your personal circumstances (for example if you move house or change your bank account details) so that we can provide you with continuous cover.

Dependant children are covered for free

Dependant children under the age of 17 who live with you are covered for free on specified benefits. Take a look at the schedule of benefits table for more information.

You can claim for treatment received abroad

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.