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VitalityHealth - EspritHealth Saver
VitalityHealth - EspritHealth Saver
EspritHealth Saver is a new, highly affordable medical insurance plan, tailored exclusively for people over 55. For a joint plan only one of you needs to be 55 or over, and if you have any dependent children under 21 (or up to 25 if they are in full time education) they can be covered too.
With the Saver option chosen premium saving are made by reductions in the out-patient benefit.
Benefits
Key Facts - In-patient & Day Case Charges |
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| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings |
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Full refund |
| Surgeon / Consultant / Specialist & Anaesthetists fees |
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Full refund |
| Physicians fees & diagnostic tests |
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Full refund |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy |
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Full refund |
| Psychiatric treatment |
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Not covered |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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Not covered |
| Diagnostic tests (excluding scans) |
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Combined out-patient benefit of up to £350 per policy year (When selecting the Esprit Health Saver option) |
| GP referred consultations |
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Combined out-patient benefit of up to £350 per policy year (When selecting the Esprit Health Saver option) |
| Physiotherapy consultant referred |
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Combined out-patient benefit of up to £350 per policy year (When selecting the Esprit Health Saver option) |
| Physiotherapy GP referred |
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Combined out-patient benefit of up to £350 per policy year (When selecting the Esprit Health Saver option) |
| Psychiatric cover |
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Not covered |
| Radiotherapy / Chemotherapy |
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Full refund |
| Scans - MRI / CT / PET |
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Full refund ** |
| Surgical Procedures |
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Not covered |
Key Facts - Additional Benefits |
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| NHS cash benefit |
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£250 per night (Up to £2,000 per policy year - not available for treatment received within the 6 - weeks wait period if this option is chosen) |
| Nursing at home |
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Full cover (up to 2 weeks pa) |
| Parental accommodation |
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Not covered |
| Private ambulance |
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Full refund (On Specialist recommendation) |
Additional Benefits |
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| Alcohol & drug abuse |
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Not covered |
| Annual maximum limit |
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No annual maximum |
| Children covered |
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21 years of age and unmarried (or up to 25 if in full-time education) |
| Chiropractors & Osteopaths |
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Not covered |
| Dental treatment |
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Not covered |
| Hospice donation |
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Not covered |
| Infertility investigations |
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Not covered |
| Maternity cash benefit |
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Not covered |
| Optional cash benefit |
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Not covered |
| Out of pocket expenses |
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Not covered |
| Overseas cover |
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Not covered |
| Personal & total disability benefit |
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Not covered |
| Post hospital recovery bonus |
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Not covered |
| Pregnancy |
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Not covered |
| Transplants |
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In full |
Registration 
