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Core Cover

Our health insurance plans for small to medium businesses

Our award-winning small business plans give your employees access to the latest treatments and highest standards of care. They include private GP video consultations within 48-hours; a 24/7 GP helpline; a choice of consultants and personalised support for a range of physical and psychological conditions.

All plans start with Core Cover, which has a variety of benefits. They also include Vitality Plus, providing access to health and reward partners that help your employees look after their health. You can choose to opt-out of Vitality Plus which will remove employee access to most of the reward partners and change the premium you pay.

Below is a summary of the benefits included within our Core Cover. All benefits are per insured member, per plan year unless stated otherwise. Treatment must take place at a hospital eligible under your plan. Full benefits, terms and conditions are available on request.

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In-patient and day-patient treatment
Hospital fees
Includes overnight stays, nursing, and any drugs your employees might need while in hospital. We also cover the costs of intensive care treatment and operating theatre charges.

Consultant fees

As long as your employee’s consultant is registered with an accredited body and recognised by us, we pay their inpatient and day-patient fees in full, including their surgeons’ and anaesthetists’ fees, physicians’ fees and other consultant appointments.

Diagnostic tests

 If your employees are admitted to hospital as an in-patient or a day-patient, we pay for the diagnostic tests they need – things like blood tests and x-rays. We also pay for any MRI, CT and PET scans if required.
Out-patient treatment
We pay for surgical procedures where your employees are treated as an out-patient.
Extended Cancer Cover
If your employees are diagnosed with cancer, we cover their eligible in-patient and out-patient costs in full. This includes:
Radiotherapy, chemotherapy and follow-up consultations Full cover
Biological therapies Full cover
Hormone and bisphosphonate therapies Full cover
Cancer surgery and reconstructive surgery Full cover
Stem cell therapy Full cover
End-of-life home nursing care Up to £1,000 per day for a maximum of 14 days
Wigs and restyling Up to £300 per claim
Scalp cold capping Full cover
Mastectomy bras and external prostheses Up to £200 per claim

Our cancer promise
If their cancer is no longer treatable, we will pay for them to have care that can relieve their symptoms. This includes pain relief at the end stage of cancer.

Vitality GP

Vitality GP offers your employees access to a private GP at a time and place that suits them. Using our Vitality GP app they’ll be able to talk directly to a Vitality GP and have a private GP video appointment. They’ll be offered a choice of GPs, based on their gender. The app is supported on (iOS7 or later) and Android (4.4 or later).

GP Led Treatment Pathway
The Vitality GP can refer your employees for the most appropriate onward treatment meaning they often won’t have to make an additional call or online claim.
Private Prescriptions
When a private prescription is issued by a Vitality GP, your employees can choose to have their prescription posted to their home address or to a LloydsPharmacy. If they choose to have it delivered to a LloydsPharmacy they can pick up their medication at the pharmacy. No excess is payable for a private prescription.
Wellness Pathway
Because the Vitality GP has access to your employees’ Vitality Age and Healthcheck results, they can advise them on how to get healthier and help manage any long term conditions.

Important information about Vitality GP
The video consultation service is available from 0800-1900 Monday to Friday and 0900-1300 Saturdays, excluding bank holidays.

Additional benefits

All included within our Core Cover. 

NHS Hospital Cash Benefit
If your employees choose to get treatment on the NHS, rather than being treated privately through your plan, we give them a cash amount. In-patient treatment: £250 per night up to a maximum of £2,000 Day-patient treatment: £125 per day up to a maximum of £500
Childbirth Cash Benefit
We’ll give your employees a cash payment following the birth or adoption of a child (the payment following a birth only applies if they have been on the plan for at least 10 months). We pay once per child even if both parents are covered on the plan. £100 per child
Home Nursing
If your employees’ consultant recommends home nursing instead or more in-patient treatment, we pay for it. It can get them back on their feet after a stay in hospital. Full cover
Private Ambulance
The use of a private ambulance for transfer between hospitals, whether NHS or private, if a consultant recommends it as medically necessary. Full cover
Parent Accommodation
Your employees might have a child under 14 on their plan. If the child needs to stay overnight in hospital, we pay for hospital accommodation so that a parent can stay with them. Full cover
Oral Surgery
We cover surgical removal of impacted teeth, buried teeth and complicated roots, surgical drainage of a facial swelling, removal of cysts of the jaw, and apicectomy. If your employees have an accident we can also cover some kinds of dental surgery. Full cover in specified circumstances
Pregnancy Complications
We cover in-patient and day-patient treatment if your employees suffer from ectopic pregnancy, miscarriage, missed abortion, still birth, post partum haemorrhage, retained placental membrane and hydatidiform mole. Full cover for specified procedures
Lifestyle Surgery
In certain circumstances we pay for corrective and weight loss surgeries such as removal of birthmarks. 
Subject to certain eligibility criteria and a 25% member contribution to the cost of consultations and package of treatment.
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Opening times:
Monday – Friday 9am – 6pm 

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