Registration 
| Insurer & Benefits | Find a broker | |||
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Personal Healthcare offers a comprehensive range of options that puts your clients in control. Because we don’t make them pick an off-the-shelf plan, with your help, they are able to create a plan to suit their needs and budget.
Key Facts - In-patient & Day Case Charges | |
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| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
Core Cover Full cover |
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| Surgeon / Consultant / Specialist & Anaesthetists fees | |
Core Cover Full cover |
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| Physicians fees & diagnostic tests | |
Core Cover Full cover (if referred by a consultant) |
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| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
Core Cover Full cover |
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| Psychiatric treatment | |
| Up to 28 days of in-patient or day-patient treatment, plus unlimited talking therapies/CBT | |
| Six week option | |
| Not available | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
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Therapies Cover - Not Included
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Not included |
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Therapies Cover - Full Cover
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Therapies Cover Full cover per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician |
| Diagnostic tests (excluding scans) | |
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Out-patient Diagnostic - Scans only
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Not included |
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Out-patient Cover - £500
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Out-patient Diagnostic Cover Up to £500 cover for consultations, specialist fees, and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £750
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Out-patient Diagnostic Cover Up to £750 cover for consultations, specialist fees, and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £1,000
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Out-patient Diagnostic Cover Up to £1,000 cover for consultations, specialist fees, and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £1,250
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Out-patient Diagnostic Cover Up to £1,250 cover for consultations, specialist fees, and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £1,500
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Out-patient Diagnostic Cover Up to £1,500 cover for consultations, specialist fees, and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - Full Cover Out-patient Diagnostic - Full Cover
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Out-patient Diagnostic Cover Full cover for consultations, specialist fees, and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
| GP referred consultations | |
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Out-patient Cover - Not included
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Not included |
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Out-patient Cover - £500
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Out-patient Cover Up to £500 cover for consultations, specialist fees, physiotherapy and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £750
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Out-patient Cover Up to £750 cover for consultations, specialist fees, physiotherapy and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £1,000
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Out-patient Cover Up to £1,000 cover for consultations, specialist fees, physiotherapy and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £1,250
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Out-patient Cover Up to £1,250 cover for consultations, specialist fees, physiotherapy and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - £1,500
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Out-patient Cover Up to £1,500 cover for consultations, specialist fees, physiotherapy and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
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Out-patient Cover - Full Cover
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Out-patient Cover Full cover for consultations, specialist fees, physiotherapy and diagnostic tests such as blood tests and x-rays, on an out-patient basis. |
| Physiotherapy consultant referred | |
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Out-patient Cover - Not included
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Out-patient Cover Cover for a physiotherapist only within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Outside of our physiotherapist network: No Cover |
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Out-patient Cover - £500
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Out-patient Cover Up to £500 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £750
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Out-patient Cover Up to £750 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £1,000
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Out-patient Cover Up to £1,000 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £1,250
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Out-patient Cover Up to £1,250 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £1,500
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Out-patient Cover Up to £1,500 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - Full Cover
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Out-patient Cover Full Cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
| Physiotherapy GP referred | |
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Out-patient Cover - Not included
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Out-patient Cover Cover for a physiotherapist only within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Outside of our physiotherapist network: No Cover |
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Out-patient Cover - £500
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Out-patient Cover Up to £500 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £750
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Out-patient Cover Up to £750 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £1,000
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Out-patient Cover Up to £1,000 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £1,250
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Out-patient Cover Up to £1,250 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - £1,500
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Out-patient Cover Up to £1,500 cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
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Out-patient Cover - Full Cover
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Out-patient Cover Full Cover for consultations, specialist fees, physiotherapy* and diagnostic tests such as blood tests and x-rays, on an out-patient basis. * Cover for a physiotherapist within our network: Treatment will be covered in full, and will not form part of the Out-patient Cover limit. Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from their Out-patient Cover limit and will be limited to £35 per session. |
| Psychiatric cover | |
| Full Cover for Talking Therapies,(Cognitive Behavioural Therapy or counselling where treatment is agreed as clinically appropriate and arranged through our mental health panel. Up to 8 sessions of Cognitive Behavioural Therapy (CBT) or counselling per member) and a separate £1,500 out-patient limit. | |
| Radiotherapy / Chemotherapy | |
Advanced Cancer Care Targeted Cancer screening* - Discounted screens and risk assessments for breast, bowel, and cervical cancer Biological therapy, targeted therapy, and immunotherapy - Full cover Hormone therapies and bisphosphonate therapy Scalp cooling - Full cover Cancer surgery and reconstructive surgery - Full cover Wigs and restyling - Up to £300 per condition Mastectomy bras and external prostheses - Up to £200 per condition for mastectomy bras and up to £5,000 per condition for external prostheses Follow-up consultations - Full cover End of life care - Pain relief plus the services of a qualified nurse at home for up to 14 days (max £1,000 pa) |
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| Scans - MRI / CT / PET | |
Core Cover Full cover |
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| Surgical Procedures | |
Core Cover Full cover |
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Key Facts - Additional Benefits | |
| NHS cash benefit | |
Core Cover In-patient cash benefit = £250 per night (up to £2,000 per plan year) Day-patient cash benefit = £125 per day (up to £500 per plan year) |
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| Nursing at home | |
Core Cover Full cover for home nursing immediately after a stay in hospital for treatment, should your specialist recommend it instead of further in-patient treatment. |
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| Parental accommodation | |
Core Cover Full cover (for you to stay with your insured child under 14 while they receive in-patient treatment) |
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| Private ambulance | |
Core Cover Full cover (on specialist recommendation) for use of a private ambulance for transport between hospitals where medically necessary |
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Additional Benefits | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| No annual maximum | |
| Children covered | |
| Children can join provided they are under the age of 21 and may stay on the policy after 21 but will be treated as an adult for premium purposes. Up to 8 children can be added to the policy | |
| Chiropractors & Osteopaths | |
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Therapies Cover - Not Included
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Not included |
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Therapies Cover - Full Cover
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Therapies Cover Full cover per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician |
| Dental treatment | |
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Dental & Optical - Not Included
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Oral Surgical Procedures * re-implantation of teeth following an accident * elective reduction of facial and mandibular fractures following an accident * surgical removal of impacted teeth, buried teeth and complicated buried roots * infections causing facial swelling requiring surgical drainage * removal of cysts of the jaw * apicectomy |
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Dental & Optical - Major Dental Treatment
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Major Dental Treatment • Crowns new or replacement : up to £300 per plan year • Bridges/implants new or replacement : up to £200 per plan year • Root canal treatment : up to £150 per plan year • Apicectomy : up to £100 per plan year • Extractions : up to £150 per plan year • Dentures new or replacement : up to £250 per plan year • Accidental dental : up to £2,500 per claim (max four claims per plan year) • Emergency call-out fees : up to £50 per claim (max two claims per plan year) |
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Dental & Optical - Major and Routine Dental Treatment
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Major & Routine Dental Treatment • Maintenance routine examinations: up to £30 per claim (max two claims per plan year) • Maintenance routine scaling and polishing: up to £40 per claim (max two claims per plan year) • Maintenance dental x-ray: up to £40 per claim (max two claims per plan year) • Treatment fillings: up to £40 per claim (max two claims per plan year) • Crowns new or replacement : up to £400 per plan year • Inlay/onlay/overlay new or replacement : up to £100 per plan year • Bridges/implants new or replacement : up to £300 per plan year • Root canal treatment : up to £250 per plan year • Apicectomy : up to £150 per plan year • Extractions : up to £250 per plan year • Dentures new or replacement : up to £350 per plan year • Accidental dental : up to £2,500 per claim (max four claims per plan year) • Emergency dental : up to £300 per claim (max two claims per plan year) • Emergency call-out fees : up to £50 per claim (max two claims per plan year) |
| Hospice donation | |
| Not covered | |
| Infertility investigations | |
| Not covered | |
| Maternity cash benefit | |
| £100 per child | |
| Optional cash benefit | |
| Not covered | |
| Out of pocket expenses | |
| Not covered | |
| Overseas cover | |
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Worldwide Travel Cover - Not Included
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Not included |
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Worldwide Travel Cover - 120 Days
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Travel Cover - max 120 days per trip Benefits are per person, per holiday / business trip unless otherwise stated. *A £50 excess applies Overseas medical expenses: full cover up to £10 million • Healthcare cover if taken ill overseas including accommodation costs and travel expenses to remain behind with a sick member* • Repatriation expenses (if required to be flown home)* • Transfer of body or ashes back to the UK • Cost of burial or cremation outside the UK up to £1,000 Other travel benefits • Loss or damage to personal baggage up to £2,000* • Loss of personal money up to £1,000* • Delayed departure up to £100 • Missed departure up to £500* • Cancelling or cutting short the trip up to £4,000* • Personal accident up to £25,000 • Personal liability up to £2 million • Loss of passport up to £250* • Delayed baggage up to £200* • Legal expenses up to £25,000 Winter Sports Plan - 21 days per plan year (in addition to the cover above) • Loss or damage to ski or snowboarding equipment up to £500* • Loss of ski pass up to £500* • Piste closure £30 per day up to £500* • Loss of use of hired skis and ski pass due to illness or injury up to £500* |
| Personal & total disability benefit | |
| Not covered | |
| Post hospital recovery bonus | |
| Not covered | |
| Pregnancy | |
| Full cover in specified circumstances of pregnancy complications | |
| Private GP | |
Face-to-Face GP Face-to-Face consultations with a Private GP from Vitality's GP network, for £20 per consultation. Capped to 2 treatments if on Consultant Select or Countrywide hospital list. Unlimited if London Care. |
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Vitality GP Video consultations with a Vitality GP and 24 hour telephone access through the Vitality GP helpline. |
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| Transplants | |
| Full cover (medically necessary transplant, cover for insured recipient only) | |
| Other benefits | |
Optical, Dental and Audiological Cover Sight tests and new prescription glasses or contact lenses 100% of the costs up to £500 (when not using our provider network, we will pay 80% of the costs up to £300) |
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| Hearing tests and hearing aids 80% of the costs up to £300 | |
Dental check-ups and hygienist fees 100% of the costs up to £100 Dental treatment 80% of the costs up to £400 Emergency treatment following an accident 100% of the costs up to 2,500 per claim (maximum of two claims each plan year) |
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| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |