Private Limited Company
Vitality is owned by the leading global insurer Discovery Holdings, based in South Africa. In 2007, Discover entered the UK market with a joint venture with PruHealth and PruProtect. This lead to Discover buying 100% of the shares in 2014 and becoming VitalityHealth and VitalityLife.
VitalityHealth are currently the fourth largest provider of Private Medical Insurance in the UK. They were the first insurance company to award people fort healthy living and help you take a more active role in managing your health. This is due to their belief in the idea of ‘shared value’ and that improving your health will be good for you, good for them and good for society.
Vitality provide a range of rewards to encourage people to improve and maintain their long-term health, including increased no-claims discounts, regular gifts from partnering companies, and long-term rewards.
Vitality offers ultimate flexibility with their Health Insurance policies, providing a comprehensive range of options that allow you to tailor your cover to match your needs.
Key Policy Facts
£0 / £100 / £250 / £500 / £1,000 once a year or once per claim
No Claims Discount
Start on 65% no-claims discount if you don’t already have health insurance. No-claims discount is increased every year you’re claim-free to a limit of 80%.
Minimum Entry Age
18 years old
Maximum Entry Age
79 years old
Inpatient & Day Patient Cover
Fully covers hospital fees, diagnostic tests related to your admission and consultants’ fees, including surgeons’ fees and anaesthetists’ fees.
Extended Cancer Cover
Full cover for a range of therapies, drugs and surgeries, including chemotherapy, radiotherapy stem cell therapy and cancer surgery.
Receive up to £1,000 per day for palliative home nursing care (limited to 14 days).
Receive £300 per claim for wigs and restyling and £200 per claim for mastectomy bras and prostheses.
Oral Surgery Cover
Optional Additional Cover
Full Outpatient Cover
Fully covers all consultations, consultants’ fees, diagnostic tests and physiotherapy.
Limited Outpatient Cover
To keep a lid on costs, you can limit outpatient cover to £500 / £750 / £1,000 / £1,250 / £1,500 worth of treatment.
MRI, CT and PET scans are fully covered as well as physiotherapy arranged through Vitality’s Priority Physiotherapy Network.
Consultations with psychiatrists / psychologists
Covers in full or to a limit of £350 per year
Worldwide Travel Cover
Limited Cancer Cover
12 month limit on biological therapies
3 month limit on hormone or bisphosphonate therapy
Major Dental Treatment OR Major and Routine Dental Treatment
NHS Cash Benefit
Receive a cash benefit when you use the NHS for treatment.
Inpatient Treatment: £250 per night (£2,000 limit)
Home Nursing Cover
If home nursing is recommended instead of more inpatient treatment.
Paid for in full
It’s medically necessary for you to take a private ambulance to transfer between hospitals.
Paid for in full
Rehabilitation treatment after a stroke or serious brain injury.
Covered for up to 21 days following eligible inpatient treatment
You require inpatient/day-patient care for health complications relating to pregnancy.
Full cover for specific procedures
You require overnight hospital accommodation to accompany children under 14 receiving treatment
Paid for in full
Childbirth Cash Benefit
You adopt a child or you/your partner gives birth
£100 per child
Weight Loss Surgery
If you have a BMI over 35+ with associated health problems or 40+ without associated health problems and require a gastric band or gastric bypass
After a contribution of 25% of the cost of consultations and package treatment, Vitality cover the remaining costs.
Vitality’s Wellness Optimiser programme allows you to lower the cost of your policy and claim rewards for healthy living.
As a partnership between Prudential (founded over 150 years ago) and Discovery, PruProtect was founded with the joint financial knowledge of two leading insurers. In 2014 Discovery bought Prudential’s remaining share of the business and rebranded the company Vitality.
Vitality is covered by the Financial Services Compensation Scheme – if they cannot meet their financial obligations, you may be entitled to 90% of the value of your loss.
At Drewberry, we have made it our mission to know all of the ins and outs of these policies, putting us in the best position to help you find the right policy.
Below, we have put together some of the top Health Insurance FAQs and given our answers. If you need our help finding the best policy or would just like to know more, contact us today on 02074425880.
A. Vitality have partnered with Alliance Surgical, an independent healthcare group, who will choose the best consultant for you if you need treatment. They are able to find high quality consultants and experts that specialise in your condition.
If you are not happy with the consultant that has been selected for you, you can change to a different one and you can get a referral from either your NHS GP or from the Vitality GP app.
A. As is typical with most Health Insurance policies, chronic conditions won’t be covered by Vitality. However, if you develop a chronic condition during the term of your policy, Vitality will cover the costs of your consultations and tests leading up to your diagnosis, as is the case with most insurers.
Vitality also have similar standard exclusions to most other insurers, which include organ transplants; cosmetic treatment; experimental treatments; and symptoms of normal (i.e. uncomplicated) pregnancy/childbirth.
As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?
We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.
If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.
Pop us a call on 02074425880 or email email@example.com.
Head of Employee Benefits at Drewberry
Josh was brilliant, very quick process, simple, regular updates and reliable. Would highly recommend.