Personal health care cash plans

The Sovereign Health Care cash plan helps you cover those expected and unexpected health bills by paying tax free cash back towards a range of everyday, essential health care costs including:


Click here to find out more about what we cover.

The Sovereign Health Care cash plan also includes access to a 24 hour, confidential telephone helpline to help support your wellbeing. You can call and talk to a range of experts on everything from managing money and staying healthy to family crises and buying a new home.

From a couple of pounds a week, we’ll help you to afford your health care
Cover starts from just £2.04 per week, and the same price applies to everyone regardless of age or medical history. Anyone under the age of 76 can join, no medical is needed and you can claim immediately. Plus dependent children up to the age of 18 are covered at no extra cost on specified benefits.

get-15-pounds Claiming is easy
Your claims are paid tax free, plus you have 12 months to claim from the date you receive treatment. Claims can be paid directly into your bank account and we’ll aim to settle your claim within just a few days.

When you make a claim you will receive back 50% of the costs you have incurred up to your cover level maximum. For benefits which pay a fixed sum you will receive the appropriate amount for your chosen level of cover as detailed in the schedule of benefits.

Feel good about choosing Sovereign
Established in 1873 as a local hospital fund, Sovereign Health Care doesn’t have shareholders; any surplus it makes is reinvested or given by Gift Aid to the Sovereign Health Care Charitable Trust. Over the past 7 years the charitable trust has donated in excess of £4 million to good causes supporting health and wellbeing.


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You can claim straight away for treatment received on or after your policy start date except for benefits with a qualifying period. Laser or refractive eye surgery (within the optical benefit) has a 12 month qualifying period. The birth/adoption benefit has a 6 month qualifying period. A 6 month qualifying period for pre-existing conditions applies on physiotherapy/osteopathy/ chiropractic, hospital in-patient, recuperation, hospital day case admission, hospital consultant fees and diagnostic tests, hearing aids and specialist medical aids.