Lines are open Monday to Thursday from 9am to 5pm, and Fridays from 9am to 4pm
£15 IN M&S VOUCHERS
IF YOU JOIN*
UP TO 100% PAYBACK
ON DENTAL AND OPTICAL COSTS
EASY TO JOIN
NO MEDICAL
Affordable Good All Round health cover – from £2.28 a week
Looking after your health is important but it can be costly. Fortunately our Good All Round cash plan can help with your everyday health expenses, so paying for check-ups and treatment isn’t as much of a worry.
Here’s how our Good All Round cash plan works…
You can claim, up to your cover level limit, 100% of your dental and optical costs and up to 50% of other health costs including prescription charges, physiotherapy, chiropody and much more. Good All Round also pays a fixed sum if you have to spend time in hospital.
From top to toe we can help with your health costs – click here to see what’s included. No medical is needed and there are five levels of cover to choose from. Plus, join today and receive £15 in M&S vouchers.*
Claiming is easy
You can claim from day one and you have 12 months from the date of treatment to make a claim. Some benefits have a qualifying period, click here for more details. You can claim online or by post and the money can be paid directly into your bank account. You cannot currently make dependent child claims online and should send these by post.
Access exclusive member benefits**
When you register for the online customer area, not only can you claim online, you can also access a 24-hour GP service where you can speak to a practising NHS GP wherever you are in the world. Plus, through Sovereign Perks you can access a range of online and high street discounts.
There's even more to our cash plan
- Claim back NHS and private treatment costs
- You can choose the practitioner you want to see
- Free cover for up to four dependent children aged under 18
- Covered at the same level as you for all benefits except birth/adoption
- Worldwide cover
- Get money back for treatment you've received anywhere in the world
- Everyone pays the same
- Regardless of age or medical history
Here are some frequently asked questions about Good All Round:
Who can join?
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.
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).
Scroll to see more| 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 |
| Total | £333.20 Paid for treatment | £238.35 Cash back from Sovereign | |||
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 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.
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!