Bereavement guide

We’re sorry for your loss. We’re here to help you at this difficult time and this page includes answers to some frequently asked questions, useful information, and links where you can access support. To tell us about a policyholder’s death, please complete our online form.

If a policyholder has died

Once we have been notified of a policyholder’s death, we will cancel their policy from the day after their date of death.

We’ll send a letter of condolence and confirm the cancellation in writing. If the policy was paid through their payroll we’ll contact the employer and ask for the payments to stop. If the policy was paid through their pension, and you have not done so already, please inform the pension provider to cease deductions.

If a person named on a policy (who is not the policyholder) has died

We will update the policy from the day after the date of death. We will encourage the policyholder to review their plan to make sure they have cover in place that suits their needs and provides the best value for money. If you are the policyholder and you would like to make any changes to your policy, including cancelling your plan, please contact our Customer Support team who will be happy to help. You can get in touch with them:

By phone on 01274 841130
By emailing help@sovereignhealthcare.co.uk

How can you continue with your cover?

If you’d like to stay with Sovereign Health Care and continue to have cover in place, you might need to take out a new plan in your own name. Alternatively, you may want to consider reviewing the type of plan you have in place to make sure it still suits your needs. Whatever changes you’re thinking about making, our Customer Support team are on hand to help. You can get in touch with them:

By phone on 01274 841130
By emailing help@sovereignhealthcare.co.uk

If you’re acting on behalf of the next of kin, we’ll need them to provide you with third party consent or ask you for confirmation of power of attorney to be able to discuss their details with you.

What we’d like you to know if you’re a solicitor or power of attorney

If you’re acting on behalf of the deceased or deceased’s family, we’ll need you to confirm your contact details and a reference number for any correspondence.

Do you need to make a hospital claim?

Hospital in-patient and day case admission

This benefit provides a cash amount for each day or night the claimant was admitted to a hospital. The amount per day or night and the maximum number of days or nights that can be claimed per policy year, depends on the type of plan and the level of cover. This information can be found in the policy documents.

Alternatively our Bereavement team will be able to confirm the entitlement available. If the hospital benefit is available and there’s entitlement remaining, we’ll need confirmation of the admission date, the last day spent in hospital and the name of the hospital to be able to process the claim.

We make every effort to avoid requesting additional information at such a sensitive time, however there are some instances where we may request a death certificate, discharge summary or supporting documentation from the hospital or GP. A member of our Bereavement team will get in touch with you to explain any requests for further information. We accept photocopies of death certificates and hospital documents.

Support from Sovereign Health Care

If you have a health plan with Sovereign, your wellbeing services may offer some support at this time. Contact us for more information on this:

By phone on 01274 841130
By emailing help@sovereignhealthcare.co.uk

If a policyholder has died

If a person named on a policy (who is not the policyholder) has died

How can you continue with your cover?

What we’d like you to know if you’re a solicitor or power of attorney

Do you need to make a hospital claim?

Support from Sovereign Health Care

Other useful links

Popular Questions