Your workforce is your most valuable asset, so it makes sense to help your employees stay fit healthy. You can do just that with Asset from Sovereign Health Care. Our comprehensive, employer paid cash plan for 10 or more employees is easy to set up and pays employees tax free cash back towards the costs of staying on top of their everyday health care. What’s more, it also covers pre-existing conditions and there’s no qualifying period, so everyone can use it from day one.*

To help meet your duty of care requirements, Asset includes access to a leading Employee Assistance Programme (EAP), offering confidential support, assistance and counselling to help employees deal with a range of life events. Plus, Asset also includes Personal Accident (PA) cover of up to £20,000 as standard.

What Asset covers

The table below details the cover provided at each level and the premiums.

Choose a level of cover to view more details

Level 1 Level 2 Level 3
Monthly premium - per employee For 10 to 24 employees £7.95 £16.35 £25.95
For 25 or more employees £6.95 £15.35 £24.95
Annual product benefits Level 1 Level 2 Level 3 Payback
Help meet your duty of care and DSE obligations

Employee wellbeing and counselling service included as standard on all cover levels provided by a specialist third party

  • Telephone helpline and online support available 24 hours per day, 7 days a week
  • Up to 8 in-person, phone or online counselling sessions where clinically appropriate
pays towards eye tests and prescription glasses, safety glasses and contact lenses
up to £60 up to £120 up to £180 100%
Support everyday health and wellbeing
Dental¹ up to £80 up to £160 up to £240 100%
Physiotherapy / Osteopathy / Chiropractic / Sports massage
including cover for PMI excess
up to £150 up to £300 up to £450 100%
Chiropody / Podiatry up to £50 up to £100 up to £150 100%
Acupuncture / Homeopathy / Reflexology / Earwax removal up to £50 up to £100 up to £150 100%
Support faster diagnosis
Health screening² up to £125 up to £250 up to £375 100%
Hospital consultant fees and diagnostic tests
including cover for PMI excess
up to £125 up to £250 up to £375 100%
Hospital day case admission £30per day £60per day £90per day Max 5 days
Added reassurance should the unexpected happen

Personal Accident cover underwritten by American International Group UK Limited. See the separate terms and conditions for full details

  • Up to £20,000 for permanent disablement
  • £10,000 for accidental death

Choose a level of cover to view more details'

Exclusive Sovereign member benefits³ - accessed via the online customer area
24-hour GP service - convenient access to a practising NHS GP wherever you are in the world
Sovereign Perks - access a wide range of exclusive online and high street discounts

Premiums include insurance premium tax (IPT) at the current rate. Please see the Asset terms and conditions for full details.

*Does not apply to PA cover which has separate terms and conditions.

1Up to four dependent children, aged under 18, are covered for optical and dental benefits on the employee’s policy only. Cover provides separate annual maximums for the employee and each of their covered dependent children.

2Where an employer provides employees with direct access to a health screen through a third party practitioner, they will only be entitled to claim through their Asset policy for the cost of this type of health screen once in any two year period.

3Terms and conditions apply to all Sovereign Health Care member benefits, details of which are available through the secure customer area.  

Here’s how Asset can benefit your business…

Duty of care

  • Helps meet display screen equipment (DSE) regulations and duty of care obligations
  • EAP includes a 24-hour helpline and access to in-person, phone or online counselling sessions
  • PA cover up to £20,000


  • A cost-effective alternative to salary increases and bonuses
  • A tool to help retain your employees by improving your benefits package
  • Incentivise your team, boost morale, reward length of service and good performance


  • Help your employees afford their everyday health care
  • Encourages treatment and fast diagnosis
  • A valuable combination of financial and emotional support


  • 3 levels of cover to suit your budget and your business needs
  • Mix and match across different levels of the business
  • Employees have the option to upgrade their cover and/or cover another adult

Cost effective

  • Low cost comprehensive cover
  • Can help cover PMI excesses
  • Saves on standalone provisions – includes EAP and PA cover up to £20,000 as standard

Easy to manage

  • Dedicated account manager to provide ongoing support
  • Support in launching the scheme including face-to-face or online briefings
  • We can provide information about how the cash plan is being used on request

Easy to apply, simple to implement. Why wait? Call us on 01274 841 127 or enquire online

Contact us today

Call us on 01274 841 127



Have you got any questions?

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