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VitalityHealth - Primecare Gold

Primecare Gold - our ultimate healthcare plan Primecare Gold provides an excellent package of full cover for all eligible hospital costs and fees, plus a wide range of extra benefits to give your clients peace of mind.

Worldwide travel cover so your clients can benefit from a first rate travel insurance policy that covers both business and leisure trips abroad, of up to 90 days each in duration.

The travel element includes

Clients are also covered under UK Emergency Assistance

On top of this, Primecare Gold will pay for Private Maternity Care. Your clients can be provided with the peace of mind that comes with knowing that when the time comes they can enjoy the luxury of a private room in which to enjoy their new baby.

As with all Primecare plans, premiums can attract up to 50% no-claims discount over time.

SWITCH OPTION - Customers could enjoy savings by switching to us. Provided a customer is currently insured on an existing personal policy they can be considered to transfer to us and continue to enjoy the same underwriting terms. This is subject to Standard Life Healthcare's acceptance criteria (up to the age of 60). Furthermore, Standard Life Healthcare can reward your customers with lower premiums where they have been continuously insured for a number of years and have not claimed with their previous insurer. In fact, taking a sample of customers switching to us from our competitors, on average they have cut their premiums by 33%.

Benefits

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Full cover
Surgeon / Consultant / Specialist & Anaesthetists fees
Full cover
Physicians fees & diagnostic tests
Full cover
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Full cover
Psychiatric treatment
Full cover (for up to 28 days for in-patient psychiatric treatment per policy year)

Key Facts - Out-patient Charges

Complementary medicine
Up to £1,000 per policy year for Chiropractic, Osteopathy, Homeopathy and Acupuncture
Diagnostic tests (excluding scans)
Full cover
GP referred consultations
Full cover
Physiotherapy consultant referred
Full cover
Physiotherapy GP referred
Full cover
Psychiatric cover
£1,200 per person (per policy year)
Radiotherapy / Chemotherapy
Full cover
Scans - MRI / CT / PET
Full cover
Surgical Procedures
Not covered

Key Facts - Additional Benefits

NHS cash benefit
£250 per night (up to £2,000 per policy year)
Nursing at home
Full cover (up to 13 weeks per policy year)
Parental accommodation
Full cover - child must be under 14 and covered by the policy. One insured parent only
Private ambulance
Full cover (if deemed medically necessary by a Specialist)

Additional Benefits

Alcohol & drug abuse
Not covered
Annual maximum limit
No annual maximum
Children covered
21 years of age and unmarried (or up to 25 if in full-time education)
Chiropractors & Osteopaths
Up to £1,000 per policy for Homeopathy, Chiropractic, Acupuncture and Osteopathy - GP referral
Dental treatment
Oral surgery = Covered in full (major dental expenses cash included as an extra benefit - an ADD-ON)
Hospice donation
Not covered
Infertility investigations
Not covered
Maternity cash benefit
NHS - £250 cash per child (subject to mother being covered for 10 months)
Optional cash benefit
NHS cash benefit - £250 per night up to £2,000 per policy year
Out of pocket expenses
Not covered
Overseas cover
Worldwide cover with repatriation included
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Not covered
Pregnancy
Private consultations and tests during normal pregnancy up to £3,000 after 2 years membership and complications of pregnancy
Transplants
Full cover (medically necessary transplant, cover for insured recipient only)
 
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