To join the Good All Round cash plan you must be aged 18 or over and a permanent UK resident. We will waive the usual maximum age limit of 65 if you quote Exeter when you join. If you are between the ages of 16 and 18 and in full time employment, we may consider your application on an exceptional basis. For no extra cost, an adult’s plan can cover up to four dependent children aged under 18 too. They enjoy all the same benefits as you, except birth/adoption, and they even get their own payback allowance.

Here is an example of how level 2 Good All Round cover could help you keep on top of your everyday health care costs. This costs £15.60 per person, per month (£187.20 per year).

		Amount paid for treatment	Cash back from Sovereign	Total amount you can claim back per claiming year	Amount you have left to claim
	NHS dental check-up and treatment	£75.30	£75.30	£90	£14.70
	Eye test and contact lenses - 100% payback	£70	£70	£90	£20
	Four physiotherapy sessions at £40 each - 50% payback	£160	£80	£300	£220
	Three NHS prescriptions at £9.90 each - 50% payback	£29.70	£14.85	£24	£9.15
Total		£335.00 Paid for treatment	£240.15 Cash back from Sovereign

NHS costs correct at 01/04/2025

If you claimed for dental, optical, physiotherapy and prescription costs, you could get £240.15 cash back on the £335.00 you spent on treatment.

Please see the table of benefits for details of the full range of benefits you can claim for.

Claiming is easy – you can send your claim online or by post, it’s entirely up to you! Once received, your claim will be processed and your money can go directly into your bank account.

When you join the Good All Round cash plan, you can claim from day one but there’s no rush, you have 12 months from the date of treatment to submit a claim. When you apply and quote Exeter, you will receive immediate cover for pre-existing conditions and we will waive any qualifying periods.

Of course, you can include up to four dependent children aged under 18 who live with you for free on your policy. Each child has their own payback allowance and is covered at the same level as the policyholder for all benefits except birth/adoption.

You also have the option of paying to cover your partner or additional family members too. It’s a great way to help them stay healthy!

When you register for the online customer area, you’ll get access to these exclusive Sovereign member benefits**:

GP24
With GP24, you have convenient access to a practising NHS GP, wherever you are in the world. The services are available over the phone or online, and include:

• 24/7 GP telephone consultations
• Private prescription service
• Online webcam GP consultations

Sovereign Perks
Enjoy a wide range of online and high street discounts, including:

• Gym membership and shopping vouchers
• Family entertainment and attractions
• Hotels and holiday extras
• Car insurance and maintenance

Sovereign Perks also provides access to a 24-hour confidential telephone helpline and digital services to support your wellbeing.

If you have any more questions about the closure of your existing policy with The Exeter, please call their Customer Services Team on 0300 123 3256 or email cashplanclosure@the-exeter.com. You’ll also find further support at the-exeter.com/CP-FAQs.

I haven’t received any information about how to claim my e-voucher

Eligible customers will receive an e-voucher code via the email address on their policy upon meeting the following criteria: your application to join is accepted; the new policy remains active beyond the 14 day cooling off period; the first month’s premium is paid; and you register and log into Sovereign’s secure customer area within 90 days of your policy start date.

The e-voucher code will expire six months after the date it is issued. Once expired, it cannot be used in any way and no replacement will be issued, so please make sure you check your spam folder.

If you have any questions or require further information, please call our customer support team on 01274 841130. Lines are open Monday to Thursday from 9am to 5pm, and Fridays from 9am to 4pm. Alternatively you can email help@sovereignhealthcare.co.uk – please remember to quote your policy number on your email.

I have received an e-voucher code and have a question about redeeming it

If you have received an e-voucher code and you have a question about redeeming an eGift or Gift Card, more information is available here. For further assistance, you can also contact Blackhawk Network, the e-voucher provider, by calling 0344 693 9901 or completing the contact form here.

I’ve introduced someone to Sovereign Health Care, when will I get my
e-voucher?

Your e-voucher will be issued subject to the following: the new customer quotes your policy number on their application; their application is accepted; their policy remains active beyond the 14 day cooling off period; the first month’s premium is paid.

We will then email instructions on claiming your e-voucher to the address registered on your policy. If we don’t hold an email address for you, you will need to register for the Sovereign online customer area as soon as possible. To register, click here and follow the instructions – please have your policy number to hand.