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Vitality Health Insurance

Personal Health Care

Hospitals PDF Key facts PDF Policy Terms PDF

Founded

2004

Company Type

Private Limited Company

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.

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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.

   In-Patient & Day-Patient Core Cover

Hospital Charges

 

Covered in Full

Consultant’s / Specialist’s Fees

 

Covered in Full

Diagnostic Tests

 

Covered in Full

Radiotherapy / Chemotherapy

 

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

NHS Cash Benefit

 

£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.

 

Outpatient Treatment Cover

Consultant Consultations

 

Optional
Optional with Out-patient Cover module for up to &p1,500 per year. Full cover available

Diagnostic Tests

 

Covered in Full with core cover for MRI/CT/PET Scans. Additional cover available with Out-patient Cover

Radiotherapy / Chemotherapy

 

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

Physiotherapy

 

Optional
Optional with Out-patient Cover up to £1,500 with full cover options available

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.

GP referred physiotherapy, osteopathy, chiropractic and acupuncture treatments

 

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.

Accidental Dental Injury

 

Included with the Dental Cover option

Routine Dental Benefit

 

Available with the Dental Cover option

Core Policy Options

Psychiatric Treatment

 

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.

Excess

 

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.

Hospital Lists

 

Local, Countrywide or Premier Hospital Lists are available under this plan.

Underwriting

 

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.

Nursing at Home

 

Covered in Full. Assistance at home benefit is also provided

Private Ambulance

 

Covered in Full

Parental Accommodation

 

Covered in Full. For 1 parent accompanying a child under the age of 14

Out-of-band Benefit

 

A 40% co-pay applies

No Claims Discount Facility

 

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

Maternity Cash Benefit

 

£100 per child (including adoption)

Age Limit for Children

 

20 or under for Full Medical Underwriting and new Moratorium. 25 or under for CPME switch business

Intensive Care

 

Covered in Full

Health Screening Discount

 

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

Built-in Travel Cover

 

Available with the Travel Cover Module

Helpline & Support

 

Access to Vitality’s Private GP Helpline. Open 24 hours a day, 7 days a week

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.
 

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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Really, really helpful! Stopped me from signing up with an unhelpful company, and did basically all of the legwork for me in signing up with the right one. I can't have been the most helpful client as I'm 19 and only just started looking into it last week, but he took all the questions in stride! Put up with me turning to ask my dad questions every 2 minutes as well. I was helped by 2 workers; Sam and Nick. Thank you very much to both!
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Good communication and follow ups. Friendly. A thorough research for my insurance needs.
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Sam Barr-Worsfold was very helpful and provided excellent customer service. Sam discovered I was paying too much premium for my current cover. Sam recommended and helped moved to a new cover with lower premium that provided the level of cover (terms required stated in the provider's policy) I wanted. I recommend highly recommend Sam and Drewberry Insurance. Thank you Sam.
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Thorough, knowledgeable and great communication
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Went through each policy in detail and made sure I was getting the correct one for me