Registration 
| Insurer & Benefits | Find a broker | |||
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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 |
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| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
Core Cover Full cover |
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| Psychiatric treatment | |
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Mental Health Cover - Not Included
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Not covered |
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Mental Health Cover - Included
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Up to 28 days of in-patient cover, plus up to 28 days of day-patient cover, per episode. Your employees will be covered for multiple episodes of care during the year, should they need it*. *After 56 days without in-patient or day-patient treatment, we’ll fully restore your employees' benefit limits covering them for further episodes of care during their plan year. |
| 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 Full cover for out-patient consultations, consultant appointments, and diagnostic tests. Physiotherapy not arranged through our Priority Physio network is also covered up to £35 a session. |
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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 Full cover for out-patient consultations, consultant appointments, and diagnostic tests. Physiotherapy not arranged through our Priority Physio network is also covered up to £35 a session. |
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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 | |
Core Cover * 8 sessions of talking therapies/CBT (but more maybe allowed) * Big White Wall * 24/7 online facility * Access to trained Counsellors * Talk to others with same issues * Totally Anonymous * Online self help programmes * www.bigwhitewall.com/joinnow/vitality - enter Entity number * Won’t count as a claim or affect benefit limits * Mindfulness Apps e.g. Headspace, Calm – get 30% off Headspace annual subscription * Complete 10 or more minutes of mindful activity, to earn 2 Vitality points a day, up to a maximum of 6 Vitality points a week. |
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Mental Health Cover - Included
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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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| Primary care | |
| Not covered | |
| 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 | |
Your employees’ children (including adopted children), as long as they are aged 25 or under when their cover starts can apply for cover. If your employee is joining us from another insurer on a switch underwriting basis and their dependent children are aged 26 or over and are currently covered with them, as evidenced by their certificate of insurance, they can continue to be covered by us as dependent children. Once they are accepted for cover, eligible dependent children can remain covered on that basis. Children will be charged at an adult rate at the commencement or the renewal date on or after their 21st birthday (whichever is the earliest date). |
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| 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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Optical, Dental & Audiological Cover - No
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Not covered |
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Optical, Dental & Audiological Cover - Yes
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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) |
| GP minor surgery | |
| Not covered | |
| GP Referred Chiropody, Podiatry or Homeopathy | |
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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 |
| Hospice care cash benefit | |
| £75 charitable donation for each day spent in a hospice for end stage cancer. | |
| Infertility investigations | |
| Not covered | |
| Maternity cash benefit | |
| £100 per child (The payment following a birth only applies if they have been on the plan for at least 10 months) | |
| Optional cash benefit | |
| Not covered | |
| Out of pocket expenses | |
| Not covered | |
| Overseas cover | |
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Emergency Overseas Cover - Included
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Emergency Overseas Cover Medical cover if taken ill overseas, including accommodation costs and travel expenses for one person to remain behind with the sick or injured member, Up to £100,000* Repatriation or evacuation expenses, Up to £1 million* Transfer of body or ashes back to the UK Cost of burial or cremation outside the UK, Up to £2,500 Notes Benefits per each person covered, per trip, unless otherwise stated. *A £50 excess applies. |
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Worldwide Travel Cover - 120 Days
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Overseas Medical Expenses Medical cover if taken ill overseas. Including accommodation costs and travel expenses for one person to remain behind with the sick or injured member * Up to £10 million Repatriation expenses * Transfer of body or ashes back to the UK Cost of burial or cremation outside the UK * Up to £2,500 Other travel expenses Loss of or damage to personal belongings * Up to £3,000 Loss of personal money * Up to £1,000 Loss of or damage to business machines * Up to £1,000 Delayed departure * Up to £250 Missed departure * Up to £1,000 Cancelling the trip or cutting it short * Up to £10,000 Personal accident * Up to £50,000 Personal liability * Up to £2 million Loss of passport * Up to £250 Delayed baggage * Up to £600 Legal expenses * Up to £25,000 Replacement employee travelling costs * Up to £1,000 Winter Sports Cover (cover is limited to 21 days in total each plan year) Loss of or damage to ski or snowboarding equipment * Up to £500 per plan year Loss of ski pass * Up to £500 per plan year Piste closure (£30 a day) * Up to £500 per plan year Loss of use of hired skis and ski pass due to illness or injury * Up to £500 per plan year |
| Personal & total disability benefit | |
| Not covered | |
| Post hospital recovery bonus | |
| Not covered | |
| Pregnancy | |
| Full cover in specified circumstances of pregnancy complications | |
| Stress counselling helpline | |
Talking Therapies Up to 8 sessions per plan year of Cognitive Behavioural Therapy or counselling |
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| Transplants | |
| Not covered | |
| Other benefits | |
Lifestyle Surgery Cover For specified corrective and weight loss surgeries subject to a 25% contribution to the cost of consultations and package of treatment. |
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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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Private Prescriptions and Minor Diagnostic Tests Up to £100 per plan year to use towards minor diagnostic tests and most private prescriptions, when referred or issued by a Vitality GP, or Private GP in our network. |
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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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EAP - Included
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Employee Assistance Program (EAP) Counselling sessions Up to six face-to-face counselling sessions and unlimited access to a confidential telephone advice service, 24 hours a day, 365 days a year. |
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Optical, Dental & Audiological Cover - Yes
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Optical Cover New prescription glasses with Vision Express: £500 per plan year 100% payback, Any other recognised provider: £300 per plan year 80% payback |
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Optical, Dental & Audiological Cover - Yes
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Audiological Cover Hearing tests and hearing aids 80% of the costs up to £300 |
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Personal Health Fund - Included
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PERSONAL HEALTH FUND (PHF) Helping employees pay for everyday healthcare expenses such as; optical and dental treatment, health screens, activity tracking, health measurement devices and medical aids, plus the cost of prescription prepayment certificates. Employees and each adult on the plan must complete an online Health Review to make use of their PHF and at each renewal they can carry over any funds left from the previous plan year up to a limit of £1,000. Start off with Bronze £75 When they reach Silver Add £50 Silver £125 When they reach Gold Add another £50 Gold £175 When they reach Platinum Add another £50 Platinum £225 |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |