Below you will find answers to questions we frequently get asked about our personal cash plan. If you need any more help, give us a call on 01274 841 130 or enquire online. Lines are open Monday to Thursday 9am to 5pm and Friday 9am to 4pm.

Who can join?

To join Sovereign Health Care you must be aged between 18 and 76 and a permanent UK resident. Your policy can continue for as long as you like, all you have to do is keep your premiums up to date.

Do I need to have a medical?

No medical is needed to join Sovereign Health Care, although qualifying periods for pre-existing conditions do apply to some benefits.

Will you cover me if I have pre-existing conditions?

Some benefits do have a qualifying period for pre-existing conditions, but these will be covered after six months  so the Sovereign Health Care cash plan really can be used by everyone. Take a look at the table of benefits to see which benefits have qualifying periods for pre-existing conditions.

How do I pay?

You pay for your cash plan monthly by Direct Debit. To apply online, the bank account that you want your Direct Debit to be deducted from has to be in your own name, or a joint account where either of you can authorise payment.

How do I apply?

Simply click here and complete our straightforward online application form. Alternatively you can call us on 0800 678 5605 and join over the phone. Lines are open Monday to Thursday 9am to 5pm and Friday 9am to 4pm.

How much do I get back?

With our personal cash plan you will receive back 50% of treatment costs up to the maximum for the level of your plan. Take a look at the policy terms and conditions document which provides full details but if you have any questions please call us. If you hold a different type of cash plan policy with us, such as one provided through your employer, please check your terms and conditions for full details of what you can claim for.

How are benefits calculated?

The following example is for illustrative purposes only and is based on you having level 2 cover, which costs £10.92 per person, per month (£131.04 per year). If you were to claim on dental, optical, physiotherapy and prescription costs, you could get £186.05 cash back on the £372.10 you spent on the treatment. Please note, physiotherapy has a 6 month qualifying period for pre-existing conditions.

Amount paid for treatment 50% cash back from Sovereign Total amount
you can claim per benefit year
Amount you have left to claim
NHS dental check-up and treatment £56.30 £28.15 £90 £61.85
New pair of glasses and eye test £130 £65 £90 £25
Four physiotherapy sessions at £40 each £160 £80 £250 £170
Three NHS prescriptions at £8.60 each £25.80 £12.90 £18 £5.10

NHS costs correct at 01/04/2017

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

Does everyone pay the same price?

Yes, everyone pays the same regardless of age, medical history or how often you claim. This is unlike other types of insurance where the price you pay is often determined by your personal circumstances, address and any previous claims. However we do review our products and prices periodically to take account of medical inflation, overall claims experience and the benefits offered. We will give you 30 days’ notice in writing if we intend to make any material changes to your plan, including the price you pay for it or the treatments covered.

How long can I be covered for?

You can be covered by your Sovereign Health Care cash plan for as long as you wish, subject to you keeping your premium payments up to date. Your policy automatically renews each month and your cover continues for as long as you wish – you don’t have to worry about renewing your policy or being tied in for a fixed period. It’s important that you keep us informed of any changes in your personal circumstances (for example if you move house or change your bank account details) so that we can provide you with continuous cover.

Can I claim for treatment received abroad?

You can claim for treatment received anywhere in the world from a qualified practitioner. For example if you buy your glasses whilst you’re abroad, you can claim for these under your Sovereign Health Care cash plan. Claims paid for treatment received outside the UK are paid in pounds sterling at the prevailing exchange rate for the relevant currency on the date we settle your claim. Please ensure you submit a valid receipt, and it would be helpful if you could attach a covering letter in English stating the treatment you have received.

Does the dental benefit cover braces?

Yes, the dental benefit does cover braces. When you make a claim you will receive back 50% of the costs you have incurred up to your cover level maximum. You can see the full list of what is covered under the dental benefit here.

Does the dental benefit cover things like wisdom tooth removal?

Yes, the dental benefit does cover wisdom tooth removal. If surgery is required you may also be covered under the hospital day case admission or hospital in-patient benefit.

If you have a pre-existing condition your policy will not cover you for the hospital benefits until after a 6 month qualifying period. The amount you will receive back depends on your level of cover. You can see the full list of what is covered under the dental benefit here.

Does the dental benefit cover oral cancer screening?

The dental benefit does not cover oral cancer screening, however, if an oral cancer screening is available as part of a well woman or well man screening you will be able to make a claim under the health screening benefit. You will need to check with your local clinic whether oral cancer screening is available. You can claim back 50% of the costs of an approved health screening, up to your cover level limit, undertaken by medically qualified staff. You can see the full list of what is covered under the dental benefit here.

Can I have a personal cash plan even though I live and work abroad?

No, Sovereign Health Care policies are only available to persons who for UK tax purposes are resident in the UK and have a permanent residence in the UK.
If you are an existing customer of Sovereign Health Care and you temporarily reside outside of the UK, you can continue your policy provided your permanent residential address is in the UK.

Even though my dentist is not part of the NHS can I still claim for dental treatment?

Yes, if you visit a private dentist or an NHS dentist you can claim 50% of the amount you paid for check-ups, hygienist fees, full or partial dentures and x-rays, up to the maximum amount your cover level allows. Just remember to ask for a receipt for the treatment you receive. You can see the full list of what is covered under the dental benefit here.

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