Vitality Health Insurance
Personal Health Care
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Founded |
2004 |
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Company Type |
Private Limited Company |
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Company Overview |
A specialist health insurer previously known as PruHealth which was backed by two large international financial services companies – Prudential plc and Discovery Holdings. Prudential’s trusted reputation and Discovery’s creative solutions and first-class operations resulted in an innovative approach to healthcare and wellbeing. In 2015 bought Prudentials stake and rebranded the business Vitality. |
Personal Healthcare Overview
Personal Healthcare is a modular proposition offering a core level of health cover which clients can then add to according to their individual needs and budget. Vitality also offer their members improved health rewards via their health living programme.
Core to the proposition is the rewards and discounts available through the healthy living programme, which can include discounted gym membership.
£100 per child maternity benefit, including adoption.
Full cover for nursing at home, private ambulance and parental accommodation.
Full in-patient cover with additional psychiatric treatment option.
In-Patient & Day-Patient Treatment
An in-patient is admitted to hospital, staying in bed overnight or longer for medical reasons. A day-patient is admitted to hospital or day patient unit because they need a period of medically supervised recovery. They do not stay in a bed overnight.
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In-Patient & Day-Patient Core Cover
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Hospital Charges |
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Covered in Full |
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Consultant’s / Specialist’s Fees |
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Covered in Full |
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Diagnostic Tests |
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Covered in Full |
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Radiotherapy / Chemotherapy |
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Covered in Full. Additional Full Cancer Cover option available that removes limits on Biological and hormone or bisphosphonate therapies and extends cover to include end-of-life care |
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NHS Cash Benefit |
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£250 per night up to £2,000 per plan year. £125 day-patient cash benefit (£500 maximum per plan year) |
Out-patient Treatment
A patient who attends a hospital, consulting room or outpatient clinic and is not admitted as a day patient or in-patient.
Out-patient Cover Options
In addition to the core cover, there are additional options available including; Out-patient Cover offering 5 modules ranging from £500 – £1,500 per year towards diagnostic tests, consultations and physiotherapy.
There are also 2 more modules offering full diagnostics cover or full overall out-patient cover. Further modular options include Out-patient Therapies, Psychiatric Treatment and Full Cancer Cover.
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Outpatient Treatment Cover
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Consultant Consultations |
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Optional |
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Diagnostic Tests |
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Covered in Full with core cover for MRI/CT/PET Scans. Additional cover available with Out-patient Cover |
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Radiotherapy / Chemotherapy |
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Covered in Full with core cover. Additional options available with Full Cancer Cover, which removes the limits on Biological and hormone or bisphosphonate therapies and extends cover to include end-of-life care |
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Physiotherapy |
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Optional |
Alternative Therapies
The Out-patient Therapies module offers alternative therapy benefit towards chiropractic, osteopathy, acupuncture, homeopathy, podiatry and up to 2 consultations with a dietician. A full cover option is also available.
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GP referred physiotherapy, osteopathy, chiropractic and acupuncture treatments |
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Available with Out-patient Therapies Cover up to £350 per year. Full cover is available. |
Dental & Optical
The core cover includes specific oral procedures. There is additional Dental Cover, which has a two tier offering. Option 1 provides major dental treatment such as crowns, bridges, root canal treatment, extractions, dentures and emergency dental work after an accident. Option 2 extends the cover to include routine dental check-ups and treatment. Optical cover is not included on this plan.
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Accidental Dental Injury |
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Included with the Dental Cover option |
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Routine Dental Benefit |
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Available with the Dental Cover option |
Core Policy Options
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Psychiatric Treatment |
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The Psychiatric Treatment option offers cover at two levels from £15,000 to £20,000 towards in-patient and out-patient psychiatric treatment of which £1,500 is available towards out-patient psychiatric treatment. |
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Excess |
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A discount for excess is available for £100, £250, £500 and £1,000, which can be per annum or per claim. Discount varies according to excess type. |
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Hospital Lists |
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Local, Countrywide or Premier Hospital Lists are available under this plan. |
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Underwriting |
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Full Medical Underwriting, 2 Year Moratorium or CPME switch are available at a maximum age on entry set at 79. The minimum age on entry is 18. |
Additional Benefits
Vitality’s wellbeing programme makes it easier and cheaper for clients to understand their health through a range of services including; a free online health assessment and healthcheck.
Further benefits offered by Vitality as standard include; a no shortfall guaranteed on specialists’ fees for surgery if the treatment is covered on the plan, consultant referral via Vitality’s GP Helpline, direct referrals for a MRI and Ultrasound scans via a physiotherapist. There is also cover for bariatric / lifestyle surgeries, and long-term condition management.
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Nursing at Home |
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Covered in Full. Assistance at home benefit is also provided |
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Private Ambulance |
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Covered in Full |
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Parental Accommodation |
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Covered in Full. For 1 parent accompanying a child under the age of 14 |
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Out-of-band Benefit |
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A 40% co-pay applies |
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No Claims Discount Facility |
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Yes. Free protected no claims with Vitality Status determining level of protection. New business entry level of up to 65%. Further discount levels of up to 80% available according to Vitality Status. Platinum members can protect their NCD completely, regardless of the number of claims |
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Maternity Cash Benefit |
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£100 per child (including adoption) |
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Age Limit for Children |
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20 or under for Full Medical Underwriting and new Moratorium. 25 or under for CPME switch business |
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Intensive Care |
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Covered in Full |
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Health Screening Discount |
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Free annual Vitality Healthcheck through Road to Health for one adult member covered.Depending on the results of the Vitality Healthcheck, 50% off the cost of health screenings provided by Nuffield Health and BMI healthcare may be available |
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Built-in Travel Cover |
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Available with the Travel Cover Module |
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Helpline & Support |
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Access to Vitality’s Private GP Helpline. Open 24 hours a day, 7 days a week |
Got any questions?
Let us help you find a private medical insurance plan that suits your needs by either completing a health insurance quote online or calling us on 0208 432 7333 to speak with our experts.
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