Refer A Friend | Terms And Conditions | So Smart Protect
Chester, Cheshire
01244 264 866

Refer a friend

A £100 M&S voucher for you and a friend

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If you have found our service and your health cover beneficial and feel a friend or family member would also benefit from a health policy through So Smart Protect, then we’d like to say thank you and reward you both with a £100 M&S voucher!

There’s no limit to how many friends you can refer and you’ll receive a voucher everytime a policy is taken out.

All you need to do is:

  • Refer as many friends and family members to So Smart Protect as you like
  • Ask them to mention your name when they speak to our advisers
  • If they take out health cover with us, you’ll both receive a voucher as a thank you

Terms and conditions of the offer:

1. £100 M&S gift card will be sent to both you and your friend after 28 days of receiving your friend’s second subscription payment or 28 days after receiving your friend’s first premium if they pay annually.

2. If your friend cancels their plan within the first 60 days neither of you will receive the £100 M&S gift card.

3. To qualify for this offer your friend cannot currently be insured or have been insured in the last 3 months on an AXA PPP Healthcare or Health-on-Line health insurance plan and cannot reside at the same household as you.

4.You must already be a member of AXA PPP Healthcare or Health-on-Line with a live policy when your friend joins and when the vouchers are sent.

5. There are no limits to the number of recommendations that you can make but only one recommendation can be made per introduced household.

6. Your friend/family member must be over 18 years old.

7. This offer cannot be used in conjunction with any other offers apart from our 5% discount for paying annually. 

8. The offer is valid when your friend buys an individual AXA PPP Healthcare UK or Health-on-Line plan, excluding corporate and budget plans. Purchases must be made with So Smart Protect and must NOT be made directly with AXA or Health-on-line and do not apply if bought through other intermediaries or online.

9. Offer may be withdrawn at any time.


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