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within the Private Medical Insurance Industry.
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VitalityHealth - Choices

Closed to new business customers

Choices is designed for the growing number of people who want wide-ranging PMI cover, but are happy to contribute more towards their treatment costs, in return for lower premiums. 

Choices provides your clients with fully comprehensive cover that steps in once eligible treatment exceeds the amount of agreed excess.

A Choices customer will also have access to our unique Treatment Information Service.

Choices also provides

SWITCH OPTION - Choices is also available for customers who are currently insured and subject to switch acceptance criteria, can transfer and be accepted on the same underwriting terms. This option is open to existing individual policy holders and group leavers.

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 (up to 28 days for in-patient psychiatric treatment, per policy year)

Key Facts - Out-patient Charges

Complementary medicine
Full refund GP referred out-patient, Physiotherapy, Chiropractic, Osteopathy, Acupuncture or Homeopathy treatments
Diagnostic tests (excluding scans)
Full cover
GP referred consultations
Full cover
Physiotherapy consultant referred
Full cover
Physiotherapy GP referred
Full cover
Psychiatric cover
Not covered
Radiotherapy / Chemotherapy
Full cover
Scans - MRI / CT / PET
Full cover
Surgical Procedures
Not covered

Key Facts - Additional Benefits

NHS cash benefit
Not covered
Nursing at home
Full cover (up to 13 weeks per policy year)
Parental accommodation
Full cover (for insured parent to stay with child under 14 years old)
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
Full cover per policy year for Homeopathy, Chiropractic, Acupuncture and Osteopathy GP referral
Dental treatment
No but oral surgery = Covered in full
Hospice donation
Not covered
Infertility investigations
Not covered
Maternity cash benefit
Not covered
Optional cash benefit
Not covered
Out of pocket expenses
Not covered
Overseas cover
Not covered
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Not covered
Pregnancy
Complications of pregnancy covered in full after 10 months membership
Transplants
Not covered
 
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