Health Insurance quotes, call 01612166650
You can choose other Cover Options for your plan. This means you can create a plan to suit your employees and your budget. All benefits are per insured member, per plan year, unless stated otherwise. Treatment must take place at a hospital eligible under your plan.
Book an appointment
Book an appointment with an adviser .
You can tailor your plan to suit your employees' lifestyles by selecting the level of cover you need.
Out-patient Cover pays for costs such as consultant appointments and physiotherapy, and diagnostic tests like MRI scans, blood tests and x-rays
The costs we cover depend on what you add to your plan:
MRI, CT and PET scans will be paid in full, and not treated as part of the employees' Out-patient Cover limit.
The VitalityHealth physiotherapy network includes over 2,000 accredited physiotherapy clinics across the UK. This means that, more often than not, your employees will be able to have treatment at a convenient location, less than 10 minutes’ drive away from their home or place of work.
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 your employees Out-patient Cover limit and will be limited to £35 per session.
If you have chosen a limited Out-patient Cover option, you can choose to add on full cover for diagnostics – you can upgrade your Out-patient Cover so that out-patient diagnostic tests would be covered in full, and only consultant appointments and out-of-network physiotherapy would be covered by your chosen Out-patient Cover limit.
Out-patient diagnostics will be covered in full. Consultant appointments and out-of-network physiotherapy will continue to be covered up to the limit you’ve chosen for your employees.
We pay for up to 28 days of in-patient or day-patient treatment, and up to £1,500 for out-patient consultations (e.g. with a psychologist). Talking Therapy arranged through our network is covered in full, and won’t be deducted from your out-patient limit. All in-patient mental health claims are managed by our team of experienced case managers.
28 days in-patient or day-patient treatment
A separate £1,500 out-patient treatment limit
Full cover for in-network Talking Therapies
Chiropractic treatment, osteopathy, chiropody/podiatry, acupuncture, homeopathy, and two consultations with a dietician following GP or consultant referral.
At some point, everyone faces emotional problems such as relationship or money worries, stress, and bereavement. If your employees have problems like these and are finding it hard to cope, an Employee Assistance Programme can help.
With the programme, your employees get:
Our Employee Assistance Programme is provided by Health Assured.
Unlimited access to a confidential telephone advice service, 24 hours a day, 365 days a year
You can give your employees a Personal Health Fund to help pay for everyday healthcare bills that aren’t usually covered by private medical insurance. Your employees can use their Personal Health Fund for:
| Optical Treatment | Includes fees for sight tests, fitting, spectacle repairs, prescription swimming or diving goggles. They can also claim for glasses, lenses, spectacle frames, contact lenses, and prescription sunglasses. |
| Dentistry Claims | Check ups and treatment at a UK dentist, including fillings, crowns and bridges, plus hygienist fees. |
| Health Screens | They can claim back the costs of a health screen with our screening partner. |
| Chronic Prescriptions | If they have a chronic condition, they can use their PHF to cover the cost of a prescription prepayment certificate (PPC), which will cover the cost of NHS prescriptions for 3 or 12 months. This is the only healthcare expense they need us to authorise for payment from the PHF beforehand. |
| Private GP appointments | They can use their PHF to pay for a face-to-face appointment with a private GP. |
| Medical aids and devices | Your employees will be able to claim back 50% of the costs of a range of medical aids and devices including hearing aids, blood pressure monitors and TENS machines. |
| £100 towards a fitness device | They can use £100 of their fund to pay for a device which can be used to record Vitality points. Maximum of one claim of up to £100 per adult every three plan years. This excludes Apple Watch and smartphones. |
| Vitality status | Personal Health Fund |
|---|---|
| Start off at Bronze | £75 |
| Reach Silver | Add £50 |
| Silver | £125 |
| Reach Gold | Add another £50 |
| Gold | £175 |
| Reach Platinum | Add another £50 |
| Platinum | £225 |
(Any unused balance will be rolled over to the following plan year. A maximum Personal Health Fund balance of £1,000 per adult member will apply)
This cover option is available now for plans starting on or before 31 August 2021. After this date, you won’t be able to buy Dental Cover. It will be replaced with our new cover option - Optical, Dental and Hearing Cover.
If you add Dental Cover to your plan, it will be replaced with Optical, Dental and Hearing Cover at the first annual plan renewal date.
You can choose between two levels of dental cover for your employees, depending on how much you want to spend, and how much cover you want to offer them.
All benefits are per insured member, per plan year unless otherwise stated.
Routine examinations Maximum of two claims per plan year Routine scaling and polishing Maximum of two claims per plan year Dental x-ray (radiography of the teeth or jaw)To get his cover, your employees need to have had a check-up with their regular dentist and finished any recommended treatment within twelve months before their cover starts. If they haven’t done this, then they’ll only be covered once they have had a check-up and finished any recommended treatment.
Separate terms, conditions and exclusions apply to our Dental Cover – please speak to your adviser to find out more
On 1 September 2021, our Emergency Overseas Cover will change. We will be enhancing it with increased benefit limits.
If you add Emergency Overseas Cover to your plan on or before 31 August 2021, your cover will be updated with the new version at the first annual plan renewal date.
Whether your employees are on holiday or on a business trip, our Emergency Overseas Cover means they’ll get emergency medical treatment if they need it.
| For trips of up to 90 days | Amount |
| 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* and transfer of body or ashes back to the UK | Up to £1 million |
| Cost of burial or cremation outside the UK | Up to £1,000 |
*Your employees will need to pay a £50 excess on these benefits.
| For trips planned to last up to 120 days | Amount |
| Medical cover if taken ill overseas, including accommodation costs and travel expenses for one person to remain behind with the sick or injured member* Repatriation or evacuation expenses* and transfer of body or ashes back to the UK | Up to £10million |
| Cost of burial or cremation outside the UK | Up to £2,500 |
On 1 September 2021, our Worldwide Travel Cover will change. We will be enhancing the cover option with increased benefit limits and cover for travel vaccinations and medication.
If you add Worldwide Travel Cover to your plan on or before 31 August 2021, your cover will be updated with the new version at the first annual plan renewal date.
This covers trips planned to last up to 120 days and includes things like emergency medical expenses and lost luggage. You can apply to include this benefit to cover at the plan start date, or a future renewal date, provided all applicants are aged 79 or under at the time the benefit is included.
Medical cover if taken ill overseas, i ncluding accommodation costs and travel expenses for one person to remain behind with the sick or injured member*
Repatriation expenses* Transfer of body or ashes back to the UK Up to £10 millionMedical cover if taken ill overseas, i ncluding accommodation costs and travel expenses for one person to remain behind with the sick or injured member*
Repatriation expenses* Transfer of body or ashes back to the UK Up to £10 million*Your employees will need to pay a £50 excess on these benefits
Unless we state otherwise, the benefits are for each insured member on your plan, per trip. Separate terms, conditions and exclusions apply to our Worldwide Travel Cover – please speak to your adviser to find out more.
Premiums can be reduced with a range of excess levels and a choice of where your employees are treated.
We offer your employees access to the best possible medical care and when they need treatment we ensure it’s at a hospital which offers clean and comfortable surroundings. There are two options as to where they may be treated and you can choose which options suit you and your employees best.
If you choose Consultant Select you will be offered a choice of high quality consultants to treat your condition at a private hospital in your area. Or you can choose which hospitals your employees can use from our Hospital Lists:
You can choose for your employees to contribute to the cost of their treatment up to a maximum amount. We then pay for the rest of their treatment, up to any limits on your plan.
The higher contribution your employees pay, the lower we can make your premiums. You can choose this maximum contribution to be £0, £100, £250, £500 or £1,000
Once you’ve chosen an excess, you choose whether your employees pay once per plan year or each time they make a claim.
Vitality stat us-linked excess
For Business Healthcare plans with five or more employees you can link your employees' excess to their Vitality status. As they improve their Vitality status, we reduce the amount of excess they need to pay without changing your premiums.
The excess levels do not apply when making claims for NHS Hospital Cash Benefit, Childbirth Cash Benefit, Weight loss and Corrective Surgeries or costs relating to Vitality GP.
This excess would also not be applied to claims made under the Dental Cover option or the Optical, Dental and Hearing Cover option, and also the Worldwide Travel Cover and Emergency Overseas Cover options, where a different excess or co-payment may apply.
When we’re working out whether we can cover your employees, what we can cover them for and how much their cover will cost, we go through a process called underwriting.
There are four different kinds of underwriting that you can choose from. Which one’s right for your business depends on whether you’ve already got a company plan with someone else, how much information you want us to ask your employees for, and how large your business is.
Call us on 01612166650
Opening times: Monday – Friday 9am – 6pm
Request a call back
Book an appointment with an adviser
