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Vitality offer a comprehensive range of plans however to ensure this is the best private medical insurance policy for you, why not let us help you compare health insurance quotes by clicking on the "Get a Quote" button. The service is free with absolutely no obligation and it may just help you save money or find a more suitable plan.
Vitality Health is owned by leading global insurer Discovery Holdings and is the first insurance company to reward its customers for healthy living.
Joining the UK market in 2007 in a joint venture with PruHealth and PruProtect, Discovery Holdings purchased 100% of the shares in 2014 launching VitalityHealth and VitalityLife.
The Vitality Health insurance plan offers a comprehensive cover as standard that can be tailored to suit your requirements.
The Comprehensive Core Cover forms the basis of all Vitality Health Insurance plans which can then be added to depending on your requirements.
Therefore included as standard in your Vitality healthcare plan are the following which will be explained in more detail below.
To tailor your healthcare plan to your own personal requirements, you can then choose to add one or more of the following:
A feature of all Vitality Health Insurance plans is that a panel of doctors, not insurers decide who will treat you. In partnership with Alliance Surgical, an independent doctor-owned organisation; a panel of independently selected and regularly audited consultants choose the most appropriate consultant to treat your particular condition.
To encourage a healthier lifestyle, Vitality Health in partnership with a range of companies offer rewards and discounts on various products and activities, as well as information on how to improve your health and track your progress.
The Vitality partners include but are not limited to:
All of the Vitality Health Insurance plans include the core cover which incorporates the essentials for any healthcare plan. This includes the following:
Plus a range of other benefits such as a cash benefit if you are treated by the NHS instead of receiving private healthcare; home nursing; counselling, rehabilitation, oral surgery and certain corrective surgeries to name but a few.
Two levels of cover that offer either full out-patient cover or out-patient cover with a limit for consultants fees when part of your treatment, out-patient diagnostics such as scans, blood tests, x-rays, radiology and pathology when referred by a consultant.
A choice of either full cover or a limit of £350 a year for chiropractic treatment, osteopathy, podiatry, acupuncture, homeopathy and two consultations with a dietician.
Two levels of cover offering either £15,000 or £20,000 a year for consultations with a psychiatrist or psychologist and hospitals stays.
Gives you the option to decrease the amount you pay for your health insurance plan by limiting certain cancer treatments.
Choose between ‘Major dental treatment’ which covers more serious treatments such as root canal, bridges and extractions or ‘Major and Routine dental treatment’ which also includes everyday treatments such as examinations, hygiene and fillings.
Possibly an option for someone who travels a lot including up to £10 million overseas emergency medical expenses for up to 120 days, as long as you are aged 64 or younger.
Vitality Health do not list their exclusions on their website however they will be included in the terms and conditions you should read before applying for the plan.
When applying, you have the option to choose either an underwritten or a moratorium plan:
Full Medical Underwriting:
This type of plan looks at your age, medical history and any previous claims you may have made prior to providing a health insurance quote. Based on this information, Vitality Health will decide whether any exclusions should be added to the plan.
This type of plan requires no health and medical questionnaires but because of this you won’t know for certain which conditions they will cover you for. For example you will not be covered for any pre-existing conditions you have had within the last 5 years.
Yes you can switch from your existing health insurance cover to Vitality Health.
And as far as health cover is concerned, they promise to always match or improve your cover.
Based on an underwritten plan for a 50 year old male, living in South East of England, with the Comprehensive Cover but no add ons and a £250 excess - the monthly payments would be £76.52.
You can go direct to Vitality Health or you can use our comparison service through our partner Hannah Insurance Services, who will look at the whole of market for you offering the same plans at the same price, but ensuring that you get advice on all providers’ plans that suit your circumstances and budget.
You could start by getting a health insurance comparison of quotes here and then if you wish call them on 01933 447251 to discuss your options and how they can keep the price as low as possible for you.
Or you can take a look at other health insurance reviews to compare before getting quotes.
Looking to switch or buy a new plan we could help you save money
You could save up to 40% on your premiums by shopping around with us
If you have or have had an illness you could still get cover
You could be save money and or get more cover when you switch
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