To join the Good All Round cash plan you must be aged 18 or over and under the age of 66 and a permanent UK resident. 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	£73.50	£73.50	£90	£16.50
	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 £9.65 each - 50% payback	£28.95	£14.48	£24	£9.52
Total		£332.45 Paid for treatment	£237.98 Cash back from Sovereign

NHS costs correct at 01/04/2024

If you claimed for dental, optical, physiotherapy and prescription costs, you could get £237.98 cash back on the £332.45 you spent on treatment. Please note, physiotherapy has a 6 month qualifying period for pre-existing conditions.

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 promptly and your money can go directly into your bank account. Please note, you cannot currently make dependent child claims online – you must send these by post.

When you join the Good All Round cash plan, you can claim from day one but there’s no rush, you’ve got 12 months from the date of treatment to submit a claim. Some benefits have a qualifying period, please take a look at the table of benefits to find out more.

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!