Looking after your health is important but it can be costly. Our Good All Round cash plan helps cover everyday health care expenses, so paying for check-ups and treatment isn’t as much of a worry.

Starting from £2.28 a week, you can claim back money towards the cost of new glasses, visits to the dentist, prescription charges, physiotherapy and much more. When you make a claim, you’ll receive back 100% of your dental and optical costs up to your cover level limit. For all other benefits, you’ll receive back 50% of your costs, and some benefits pay back a fixed sum. Click here for full details of what you can claim for.

For a summary of the Good All Round cash plan read the Insurance Product Information Document.

Exclusive member benefits

As a Sovereign customer, you’ll get online access to exclusive member discounts and a 24-hour GP service.


Who can join?

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. 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.

How much can I claim?

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).

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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 £9.90 each - 50% payback £29.70 £14.85 £24 £9.15

NHS costs correct at 01/05/2024

If you claimed for dental, optical, physiotherapy and prescription costs, you could get £238.35 cash back on the £333.20 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.

How do I make a claim?

Claiming is easy – you can submit 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.

How soon can I make a claim?

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.

Can I cover my family?

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!

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From £2.28 a week

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What we cover

Claim for a wide range of health benefits

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