To join the Good All Round cash plan you must be age 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.

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

Some benefits do have a qualifying period for pre-existing conditions, but these will be covered after six months so the Good All Round 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.

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.

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 from 9am to 5pm, and Fridays from 9am to 4pm.

With the Good All Round cash plan you will receive back 100% of your dental and optical costs up to your cover level maximum. For all other benefits, you’ll receive back 50% of your costs, and some benefits pay a fixed sum. Take a look at the policy terms and conditions 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.

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 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.

Yes, everyone pays the same regardless of age or medical history. This is unlike other types of insurance where the price you pay is often determined by your personal circumstances and address. 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.

If you keep to the Good All Round cash plan terms and conditions, you can continue to hold your policy for as long as you wish. Your policy will renew automatically each month until it is cancelled or you allow it to lapse – 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.

You can claim for treatment received anywhere in the world provided by a suitably qualified practitioner, and where this applies, they must be registered with an appropriate professional body recognised by us. For example if you buy your glasses whilst you’re abroad, you can claim for these under your Good All Round cash plan. Claims paid for treatment received outside the UK are paid in pounds at the exchange rate for the relevant currency on the date we settle your claim. Please make sure you send a valid receipt with your claim. If the receipt is not in English, please attach a covering letter in English giving details of the treatment you have received.

Yes, the dental benefit does cover wisdom tooth removal. If surgery is required you may also be covered under the hospital 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.

The dental benefit does not cover oral cancer screening, however, if an oral cancer screening is available as part of a well person 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.

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.

Yes, if you visit a private dentist or an NHS dentist you can claim 100% of the amount you paid for check-ups, hygienist fees, full or partial dentures and x-rays, up to your cover level limit. 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.