FAQs

A health care cash plan helps employees financially when they need to access health care. They allow employees to claim money back on everyday health costs such as dental treatment, glasses, eye tests, prescription charges, physiotherapy, health screening and much more.

By helping to speed up diagnosis and treatment, individuals can get back to work sooner or perhaps not have to time off at all.

Employees can claim money back towards their everyday health care costs up to their cover level limit. 

On the day of their appointment, they pay as normal and get an itemised receipt. They then submit their claim online by uploading their receipt; once processed, they can receive their money directly into their bank account.

Yes you can! Handy Health Cover can be used by all your employees straightaway – it covers everyone regardless of age or medical history, including pre-existing conditions. Plus, your employees can cover up to 4 dependent children up to the age of 18 for free.

A health cash plan gives money back on everyday health costs such as dental check-ups, eye tests, and physiotherapy. Private medical insurance, on the other hand, typically covers the cost of diagnosing and treating more serious health conditions.

PMI costs vary significantly depending on factors such as age, medical history, pre-existing health conditions, lifestyle and even location. It can be expensive due to the difficulty in forecasting when a condition or need for treatment may arise and the severity of it.

Handy Health Cover can help reduce employee absenteeism by helping with cost of accessing treatment. This can lead to faster diagnosis and treatment meaning employees can return to work quicker, or don’t need to take time off work in the first place.

It also helps to meet Display Screen Equipment (DSE) regulations and can support retention and recruitment by demonstrating you value your team’s health and wellbeing. Take a look at our Handy Health Cover brochure for more details.

The cost of Handy Health Cover depends on how many employees you want to cover, the level of cover you choose and if you have an existing employer paid cash plan in place. Click here for more information.

Yes, we require a minimum of 10 employees to be covered on an employer paid Handy Health Cover scheme.

A wide range of everyday health costs such as dental check-ups and treatment, eye tests and glasses, prescription charges, physiotherapy, specialist treatments, health screening and much more. There’s even access to a 24/7 GP service, as well as a range of online and high street discounts available. Download our handy information sheet for more details.

Yes, employees are covered immediately for any pre-existing conditions.

Yes, if an employer allows, employees can choose to increase their level of cover at their own expense. The employer would deduct the cost of any upgrades from their employees’ salary. If the employer allows, employees can also pay to cover another adult under the age of 75.

No, employees submit their claims to Sovereign Health Care using our online service and we handle their claims directly with them. 

You don’t need to authorise their claims, and you will not be involved in the process. This is something we highlight to employees as part of the implementation process.

No, everything is completely confidential, and we will not disclose any information about individual claims. Sovereign Health Care and its group companies comply with the General Data Protection Regulation (EU) 2016/679 and any national laws which relate to the processing of personal information. Sovereign Health Care is committed to keeping personal information secure, including sensitive personal information relating to health or medical conditions.

Following an initial 12-month period, we can provide you with high level information
about how Handy Health Cover is used by your employees.

There’s no annual contract although we do require you to give us at least 30 days’ notice in writing if you want to cancel your scheme with us.

Premiums paid by the employer are a potential P11D benefit for all directors and employees earning at least £8,500 per annum. The value of benefit is determined by the premiums paid and not the benefits claimed from the cash plan policy. Tax is charged at the normal rate of tax for each individual employee i.e. either basic or higher rate. Premiums funded by the employer are normally considered as a business expense and this should be confirmed with the local tax office.

We understand you’re busy, so Handy Health Cover is quick to set up and easy to manage. You will be allocated a dedicated account manager to provide ongoing support. We offer face-to-face or online employee briefings and marketing support to raise awareness. Put your employees’ health and wellbeing in good hands. Get in touch for a quote today!