Terms and conditions

Joining incentive - M&S voucher offer terms and conditions 

1. £15 in M&S vouchers will be sent to the new customer subject to the application form being submitted and accepted, either online or by post. 
2. To qualify, the new customer must remain a customer beyond the 14 day cooling off period. 
3. Vouchers will be sent by post. 
4. No alternatives to this promotion will be offered. 

Refer a friend - M&S voucher offer terms and conditions 

1. £15 in M&S vouchers will be sent to both the existing customer and the friend they introduce subject to the application form being submitted and accepted, either online or by post, with the correct promotional code. 
2. The correct promotional code is the policy number of the existing customer. 
3. To qualify, the new customer (the friend) must remain a customer beyond the 14 day cooling off period. 
4. Vouchers will be sent by post. 
5. No alternatives to this promotion will be offered.

Claim immediately - cover from day one

You can claim immediately as we will waive the usual 13 week qualifying period. Cover commences from the date on your policy certificate and you can claim immediately for treatment received on or after this date. 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.

Sovereign Health Care cash plan policy summary

If you require a copy of the policy summary for your Sovereign Health Care cash plan, you can download a pdf version here.

go-active policy summary