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VitalityHealth - Corporate Healthcare "New"

We understand the need to provide our corporate clients comprehensive cover with the ability to flex benefits to suit their specific requirements. We are able to provide cover on a fully insured, cost-plus or trust basis. We will quote on the nearest level of cover to that which is already in place. For our corporate clients, dependent upon scheme size, client requirements and budget, we are able to offer flexibility across our wide range of our benefits.

Our Corporate clients benefit from:

A dedicated client management team including a face to face Client Manager and office based Corporate Service Consultant.
Management Information which reports on claims, service and Vitality performance.
Access to the online Employer Zone where your clients could view member lists, add, edit or remove employees and download material from the Vitality toolkit. The toolkit helps them promote Vitality to their employees ensuring they get the most out of the programme.

Corporate Healthcare offers a comprehensive range of options that puts your clients in control of what cover they provide for their employees.

Benefits

Out-patient Cover	All £500 £750 £1,000 £1,250 £1,500 Full Cover Not included
Out-patient Diagnostic	All Full Cover Scans + Other <o/p limit Scans only
Therapies Cover	All £350 Full Cover Not Included
Psychiatric Cover	All £15,000 £20,000 Not included
EAP	All Included Not Included
Personal Health Fund	All Yes Not Included
Private GP Helpline	All Included Not Included
Cancer Cover	All Full Cancer Cover Core Cancer Cover
Emergency Overseas Cover	All Yes Not Included
Worldwide Travel Cover	All 120 Days Not Included
Dental	All Major Dental Treatment Major and Routine Dental Treatment Not Included
Exclusion Discretionary Benefit Option	All Included Not Included

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Core Cover Full cover
Surgeon / Consultant / Specialist & Anaesthetists fees
	Core Cover Full cover
Physicians fees & diagnostic tests
	Core Cover Full cover
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Cancer Cover - Core Cancer Cover	Core Cancer Cover All in-patient and out-patient costs related to the treatment of cancer, once diagnosed, are covered. This includes: * Radiotherapy, chemotherapy and follow-up consultations. * Biological therapies ' these aid the body's natural defence system in order to inhibit the growth of a tumour. Cover is limited to 12 months of treatment. * Hormone and bisphosphonate therapies are covered in full when combined with chemotherapy but limited to three months if prescribed on their own. * Cancer surgery and reconstructive surgery. * Stem cell transplantation.
Cancer Cover - Full Cancer Cover	Full Cancer Cover In-patient and out-patient costs related to the treatment of cancer, once diagnosed. In addition to all the benefits listed under the Core Cancer Cover, the Full Cancer Cover doesn't apply limits on the use of biological therapies, hormone or bisphosphonate therapy. Even if the cancer is no longer treatable, treatment will continue to provided to cover for care needed to relieve the symptoms, including pain relief at the end stages of cancer.
Psychiatric treatment
Psychiatric Cover - Not included	Not included
Psychiatric Cover - £15,000	Psychiatric Cover In-patient, day-patient limit of £15,000 in total
Psychiatric Cover - £20,000	Psychiatric Cover In-patient, day-patient limit of £20,000 in total
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
Therapies Cover - Not Included	Not included
Therapies Cover - £350	Therapies Cover Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Therapies Cover - Full Cover	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)
Out-patient Cover - Not included	Not included
Out-patient Cover - £500	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.
Out-patient Cover - £750	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.
Out-patient Cover - £1,000	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.
Out-patient Cover - £1,250	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.
Out-patient Cover - £1,500	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.
Out-patient Cover - Full Cover	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.
GP referred consultations
Out-patient Cover - Not included	Not included
Out-patient Cover - £500	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.
Out-patient Cover - £750	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.
Out-patient Cover - £1,000	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.
Out-patient Cover - £1,250	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.
Out-patient Cover - £1,500	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.
Out-patient Cover - Full Cover	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
Out-patient Cover - Not included	Not included
Out-patient Cover - £500	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.
Out-patient Cover - £750	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.
Out-patient Cover - £1,000	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.
Out-patient Cover - £1,250	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.
Out-patient Cover - £1,500	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.
Out-patient Cover - Full Cover	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 GP referred
Out-patient Cover - Not included	Not included
Out-patient Cover - £500	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.
Out-patient Cover - £750	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.
Out-patient Cover - £1,000	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.
Out-patient Cover - £1,250	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.
Out-patient Cover - £1,500	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.
Out-patient Cover - Full Cover	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.
Psychiatric cover
Psychiatric Cover - Not included	Not included
Psychiatric Cover - £15,000 Psychiatric Cover - £20,000	Psychiatric Cover Out-patient limit of £1,500, taken from the overall psychiatric limit.
Radiotherapy / Chemotherapy
Cancer Cover - Core Cancer Cover	Core Cancer Cover All in-patient and out-patient costs related to the treatment of cancer, once diagnosed, are covered. This includes: * Radiotherapy, chemotherapy and follow-up consultations. * Biological therapies ' these aid the body's natural defence system in order to inhibit the growth of a tumour. Cover is limited to 12 months of treatment. * Hormone and bisphosphonate therapies are covered in full when combined with chemotherapy but limited to three months if prescribed on their own. * Cancer surgery and reconstructive surgery. * Stem cell transplantation.
Cancer Cover - Full Cancer Cover	Full Cancer Cover In-patient and out-patient costs related to the treatment of cancer, once diagnosed. In addition to all the benefits listed under the Core Cancer Cover, the Full Cancer Cover doesn't apply limits on the use of biological therapies, hormone or bisphosphonate therapy. Even if the cancer is no longer treatable, treatment will continue to provided to cover for care needed to relieve the symptoms, including pain relief at the end stages of cancer.
Scans - MRI / CT / PET
	Core Cover Full cover
Surgical Procedures
Out-patient Cover - Not included	Not included
Out-patient Cover - £500	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.
Out-patient Cover - £750	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.
Out-patient Cover - £1,000	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.
Out-patient Cover - £1,250	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.
Out-patient Cover - £1,500	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.
Out-patient Cover - Full Cover	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.
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)
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.
Parental accommodation
	Core Cover Full cover (for you to stay with your insured child under 14 while they receive in-patient treatment)
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
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
Therapies Cover - Not Included	Not included
Therapies Cover - £350	Therapies Cover Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Therapies Cover - Full Cover	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
Dental - Not Included	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
Dental - Major Dental Treatment	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)
Dental - Major and Routine Dental Treatment	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)
Discretionary Benefit Option (DBO)
Exclusion Discretionary Benefit Option - Included	Exclusion Discretionary Benefit Option The Exclusion DBO can be used to pay for treatment for an employee that is usually excluded by the terms of the plan. The option can be applied when a claim is not paid due to a general, personal or policy exclusion. It can also be selected for all employees or a selected group of employees.
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
Therapies Cover - Not Included	Not included
Therapies Cover - £350	Therapies Cover Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Therapies Cover - Full Cover	Therapies Cover Full cover per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Hospice donation
	£75 charitable donation for each day spent in a hospice for end stage cancer.
Infertility investigations
	Not covered
Maternity cash benefit
	£100 per child
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
Worldwide Travel Cover - Not Included	Not included
Emergency Overseas Cover - Yes	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 £1,000 Notes Benefits per each person covered, per trip, unless otherwise stated. *A £50 excess applies.
Worldwide Travel Cover - 120 Days	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
Stress counselling helpline
Private GP Helpline - Not Included	Not included
Private GP Helpline - Included	24hr GP helpline Access to a 24-hour phone line giving you access to a doctor seven days a week.
Transplants
	Full cover (medically necessary transplant, cover for insured recipient only)
Other benefits
EAP - Included	Employee Assistance Programme (EAP) Provides support, advice and expert assistance to help your clients’ employees through difficult times, which could otherwise affect their ability to lead a balanced and productive life. With EAP all your clients’ employees will have: * Unlimited access to a 24-hour dedicated helpline providing debt counselling and legal and financial advice. * Confidential face-to-face counselling where required. (Up to six free sessions per plan year).
Personal Health Fund - Yes	The Personal Health Fund is a benefit to assist members in funding everyday healthcare expenses which would not typically be covered. The PHF can only be used to contribute towards the payment for the benefits below. The PHF does not pay cash amounts to the member and members can'ft make personal contributions to the Fund. Members can use their fund to pay for: * Dental * Optical * Health screens with our Vitality partners * Private GP * Self referral for physiotherapy * Prescription prepayment certificates Members will start off with ’75 per adult in their fund. As they improve their Vitality status, we'fll increase their fund by ’50 per status level improvement. On an individual level, members on a plan where this option is included can choose to increase their gym discount from 25% to 50% instead of the PHF. Increase does not apply to Virgin Active 'Classic Clubs' and LA fitness South Kensington club where discounts remain at 25% off full individual monthly gym membership.

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Core Cover
Full cover

Surgeon / Consultant / Specialist & Anaesthetists fees

Core Cover
Full cover

Physicians fees & diagnostic tests

Core Cover
Full cover

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Cancer Cover - Core Cancer Cover

Core Cancer Cover
All in-patient and out-patient costs related to the treatment of cancer, once diagnosed, are covered. This includes:
* Radiotherapy, chemotherapy and follow-up consultations.
* Biological therapies ' these aid the body's natural defence system in order to inhibit the growth of a tumour. Cover is limited to 12 months of treatment.
* Hormone and bisphosphonate therapies are covered in full when combined with chemotherapy but limited to three months if prescribed on their own.
* Cancer surgery and reconstructive surgery.
* Stem cell transplantation.

Cancer Cover - Full Cancer Cover

Full Cancer Cover
In-patient and out-patient costs related to the treatment of cancer, once diagnosed. In addition to all the benefits listed under the Core Cancer Cover, the Full Cancer Cover doesn't apply limits on the use of biological therapies, hormone or bisphosphonate therapy. Even if the cancer is no longer treatable, treatment will continue to provided to cover for care needed to relieve the symptoms, including pain relief at the end stages of cancer.

Psychiatric treatment

Psychiatric Cover - Not included

Not included

Psychiatric Cover - £15,000

Psychiatric Cover
In-patient, day-patient limit of £15,000 in total

Psychiatric Cover - £20,000

Psychiatric Cover
In-patient, day-patient limit of £20,000 in total

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Therapies Cover - Not Included

Not included

Therapies Cover - £350

Therapies Cover
Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician

Therapies Cover - Full Cover

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)

Out-patient Cover - Not included

Not included

Out-patient Cover - £500

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.

Out-patient Cover - £750

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.

Out-patient Cover - £1,000

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.

Out-patient Cover - £1,250

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.

Out-patient Cover - £1,500

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.

Out-patient Cover - Full Cover

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.

GP referred consultations

Out-patient Cover - Not included

Not included

Out-patient Cover - £500

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.

Out-patient Cover - £750

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.

Out-patient Cover - £1,000

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.

Out-patient Cover - £1,250

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.

Out-patient Cover - £1,500

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.

Out-patient Cover - Full Cover

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

Out-patient Cover - Not included

Not included

Out-patient Cover - £500

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.

Out-patient Cover - £750

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.

Out-patient Cover - £1,000

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.

Out-patient Cover - £1,250

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.

Out-patient Cover - £1,500

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.

Out-patient Cover - Full Cover

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 GP referred

Out-patient Cover - Not included

Not included

Out-patient Cover - £500

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.

Out-patient Cover - £750

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.

Out-patient Cover - £1,000

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.

Out-patient Cover - £1,250

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.

Out-patient Cover - £1,500

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.

Out-patient Cover - Full Cover

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.

Psychiatric cover

Psychiatric Cover - Not included

Not included

Psychiatric Cover - £15,000

Psychiatric Cover - £20,000

Psychiatric Cover
Out-patient limit of £1,500, taken from the overall psychiatric limit.

Radiotherapy / Chemotherapy

Cancer Cover - Core Cancer Cover

Cancer Cover - Full Cancer Cover

Scans - MRI / CT / PET

Core Cover
Full cover

Surgical Procedures

Out-patient Cover - Not included

Not included

Out-patient Cover - £500

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.

Out-patient Cover - £750

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.

Out-patient Cover - £1,000

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.

Out-patient Cover - £1,250

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.

Out-patient Cover - £1,500

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.

Out-patient Cover - Full Cover

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.

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)

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.

Parental accommodation

Core Cover
Full cover (for you to stay with your insured child under 14 while they receive in-patient treatment)

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

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

Therapies Cover - Not Included

Not included

Therapies Cover - £350

Therapies Cover
Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician

Therapies Cover - Full Cover

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

Dental - Not Included

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

Dental - Major Dental Treatment

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)

Dental - Major and Routine Dental Treatment

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)

Discretionary Benefit Option (DBO)

Exclusion Discretionary Benefit Option - Included

Exclusion Discretionary Benefit Option
The Exclusion DBO can be used to pay for treatment for an employee that is usually excluded by the terms of the plan. The option can be applied when a claim is not paid due to a general, personal or policy exclusion. It can also be selected for all employees or a selected group of employees.

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

Therapies Cover - Not Included

Not included

Therapies Cover - £350

Therapies Cover
Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician

Therapies Cover - Full Cover

Therapies Cover
Full cover per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician

Hospice donation

£75 charitable donation for each day spent in a hospice for end stage cancer.

Infertility investigations

Not covered

Maternity cash benefit

£100 per child

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Worldwide Travel Cover - Not Included

Not included

Emergency Overseas Cover - Yes

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 £1,000
Notes
Benefits per each person covered, per trip, unless otherwise stated. *A £50 excess applies.

Worldwide Travel Cover - 120 Days

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

Stress counselling helpline

Private GP Helpline - Not Included

Not included

Private GP Helpline - Included

24hr GP helpline
Access to a 24-hour phone line giving you access to a doctor seven days a week.

Transplants

Full cover (medically necessary transplant, cover for insured recipient only)

Other benefits

EAP - Included

Employee Assistance Programme (EAP)
Provides support, advice and expert assistance to help your clients’ employees through difficult times, which could otherwise affect their ability to lead a balanced and productive life. With EAP all your clients’ employees will have:
* Unlimited access to a 24-hour dedicated helpline providing debt counselling and legal and financial advice.
* Confidential face-to-face counselling where required. (Up to six free sessions per plan year).

Personal Health Fund - Yes

The Personal Health Fund
is a benefit to assist members in funding everyday healthcare expenses which would not typically be covered. The PHF can only be used to contribute towards the payment for the benefits below. The PHF does not pay cash amounts to the member and members can'ft make personal contributions to the Fund. Members can use their fund to pay for:
* Dental
* Optical
* Health screens with our Vitality partners
* Private GP
* Self referral for physiotherapy
* Prescription prepayment certificates
Members will start off with ’75 per adult in their fund. As they improve their Vitality status, we'fll increase their fund by ’50
per status level improvement. On an individual level, members on a plan where this option is included can choose to increase their gym discount from 25% to 50% instead of the PHF. Increase does not apply to Virgin Active 'Classic Clubs' and LA fitness South Kensington club where discounts remain at 25% off full individual monthly gym membership.


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