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From 1 January 2024, we are making some changes to the Morrisons health care cash plan which will affect your cover and the price you pay. Please see the Important Information leaflet for details.
An exclusive health care cash plan especially for Morrisons colleagues
The Morrisons health care cash plan, provided by Sovereign Health Care, starts from as little as £1.86 per week and, when the time comes that you need new glasses, have to visit the dentist or spend money on medical prescriptions, you can claim money back. Plus get £20 in Morrisons vouchers when you join!*
See below for more information about how the Morrisons health care cash plan works, how to apply and useful downloads.
How does it work?
When you make a claim, you’ll receive back 100% of your dental and optical costs up to the maximum payback amount for the level of cover you’ve chosen. For all other benefits, you’ll receive back up to 50% of your costs and some benefits pay back a fixed sum, as detailed in the table of benefits. It covers NHS and private treatment and you can choose your practitioner.
Access exclusive member benefits**
When you register for Sovereign’s online customer area, not only can you claim online, you can also access a 24 hour GP service where you can speak to a practising UK GP wherever you are in the world. Plus, through Sovereign Perks you can access a range of online and high street discounts.
Who can join?
This health care cash plan is exclusively for Morrisons colleagues, and as long as you are an employee of Morrisons you can apply to join. There’s no medical needed and the same price applies to everyone regardless of age, medical history or how often you claim. Plus dependent children under the age of 18 are covered for free for many of the benefits. You can also pay to cover your partner or a family member, and they’ll receive £20 in Morrisons vouchers too as a thank you!*
How much can I claim?
If you’re new to cash plans here’s an example of how they work:
This example is based on you having level 3 cover, which costs £2.79 per person per week (£145.08 per year). If you were to claim on dental, optical, physiotherapy and prescription costs you could get £275.18 cash back on the £369.65 you spent on treatment. Please note physiotherapy has a 6 month qualifying period for pre-existing conditions.
Scroll to see more| Payback level of the cash plan | Amount paid for treatment | Cash back from Sovereign | Total amount you can claim per benefit year |
Amount you have left to claim | |
| 100% | £70.70 | £70.70 | £105 | £34.30 | |
| 100% | £110 | £110 | £135 | £25 | |
| 50% | £160 | £80 | £375 | £295 | |
| 50% | £28.95 | £14.48 | £24 | £9.52 | |
| Total | £369.65 Paid for treatment | £275.18 Cash back from Sovereign | |||
NHS costs correct at 07/06/2023
Please see the table of benefits for details of the full range of benefits you can claim for.
How do I make a claim?
Claiming is easy – you can submit your claim online or via post, it’s entirely up to you! Once received, your claim will be processed promptly and your money can go directly into your bank account. You’ve got plenty of time to claim, a whole 12 months from when you received treatment.
How soon can I claim?
When you join the Morrisons health care cash plan you can claim straightaway for treatment received from the date your policy starts. However, certain benefits do have a qualifying period or a 6 month qualifying period for pre-existing conditions. 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.
How do I apply?
Applying is easy, simply complete the short online application form. You’ll need your employee ID number to join – you can find this on your pay slip.
If you work for the Morrisons Gibraltar store please speak to your store personnel manager for the dedicated Gibraltar application form, or call +44 1274 841130 to request an application form.
Who is Sovereign Health Care?
Established in 1873 as a Bradford-based hospital fund, Sovereign Health Care has been helping to look after Morrisons colleagues for over 40 years. Last year alone, Sovereign paid out £6.7 million in claims to their customers and, because they have no shareholders, any surplus is reinvested or awarded to community or charitable initiatives. In the last 16 years, over £10.2 million has been donated to health and wellbeing good causes.
I’m an existing policyholder, can I cover my partner and/or a family member?
If you are a Morrisons colleague and already a policyholder, you can apply to cover your partner or family members so they too can enjoy the exclusive benefits of the Morrisons health care cash plan. What’s more, they’ll also receive £20 in Morrisons vouchers as a thank you for joining!* To apply to cover a partner or family member simply:
- Download and print the application form, then complete all sections
- Remember to sign the declaration at the end of the application form to authorise the changes, then return the form in an envelope to: FREEPOST SOVEREIGN HEALTH (no stamp or other address details required)
I’m an existing policyholder, can I change my level of cover?
You can increase or decrease your level of cover to suit your needs and budget, though you must remain at your new level of cover for 12 months before you change again. To change your level of cover simply:
- Download and print the application form, then complete the sections titled ‘Your details’ and ‘Choose your level of cover’ to change your policy
- Remember to sign the declaration at the end of the application form to authorise the changes, then return the form in an envelope to: FREEPOST SOVEREIGN HEALTH (no stamp or other address details required)
If you have any questions please call 01274 841 130. Lines are open Monday to Thursday 9am to 5pm and Friday 9am to 4pm.
To go to the Morrisons colleague benefits platform click here.
Here are some useful documents:
*Voucher offer details: £20 in Morrisons vouchers will be sent to the new policyholder subject to the application form being submitted and accepted by Sovereign Health Care. To qualify, the new policyholder must remain a policyholder beyond the 14 day cooling off period. Vouchers will be sent by post. No alternatives to this promotion will be offered. Sovereign Health Care reserves the right to alter, cancel or withdraw the offer at any time.
**Sovereign Health Care Member Benefits are discretionary, non-contractual and can be withdrawn or changed at any time.
The GP24 service is provided by HealthHero (previously known as Medical Solutions UK Ltd) on behalf of Sovereign Health Care. Terms and conditions apply to the use of the GP24 service, details of which are available through the GP24 web app. By using the GP24 service, you agree to HealthHero terms and conditions. All services may be withdrawn or changed without notice.
Terms and conditions apply to the use of Sovereign Perks, details of which are available through our secure customer area. Sovereign Perks is managed and run on behalf of Sovereign Health Care by Parliament Hill Ltd using third party partners. Any purchases made by you will be with the relevant third party and not Sovereign Health Care and will be subject to their terms. All offers may be withdrawn or changed without notice