Core cover
From £1.45 a day¹
- Online GP appointments
- High quality private treatment
- Mental health support
- Rewards for healthy living
At a glance: what you get
Vitality Core Cover gives you fast, flexible access to private healthcare — with digital tools that make it easy to take control of your health.
- See a GP quickly — online or by phone
- Access private hospitals and consultants for eligible treatment
- Comprehensive cancer cover at every stage
- Mental health support, including up to eight Talking Therapy sessions
- Physiotherapy through our Priority Physio network
- Care Hub to manage appointments, treatment and claims in one place
- Rewards for staying active and looking after your wellbeing
How our core cover can help
If you or a family member becomes unwell or injured, Core Cover helps you access treatment quickly so you can feel better, faster.
But Core Cover also supports you before you get sick. With digital tools, activity rewards and wellbeing benefits, it helps you stay healthy every day.
You can start with Core Cover and tailor your plan with optional cover upgrades.
What's included
GP Services
- Online and phone appointments with Vitality GP
- Referrals for diagnostic tests or specialist treatment when needed
- Easy booking through Care Hub
Hospital treatment
If you’re admitted for treatment we cover eligible costs including:
- Diagnostic tests
- Surgeons’, anaesthetists’ and physicians’ fees
- Hospital fees
- Home nursing
- Drugs needed while in hospital
Cancer care
If you’re diagnosed with cancer, we cover all eligible treatment costs in full (at hospitals included in your plan).
You’ll also be supported by a dedicated care consultant throughout.
Mental health support
Your mental wellbeing is core to your health.
Core Cover includes up to eight Talking Therapy sessions each plan year — such as counselling and cognitive behavioural therapy (CBT).
Plus, anytime access to guided digital mental health support.
Physiotherapy
Up to six Priority Physio sessions, helping you recover from injuries and improve mobility.
Plus, anytime access to digital support.
Additional benefits
- Support for weight loss and corrective surgeries (co-payment and eligibility criteria applies)
- NHS Cash Benefit if you choose to be treated through the NHS instead of privately
- £250 per night (up to £2,000 per year)
- £125 per day for day patient treatment (up to £500 per year)
- Big savings and rewards with top brands – Apple Watch, Caffè Nero, Expedia and more
Optional upgrades
Tailor your plan with extra cover:
Out patient Cover
Covers tests and treatment when you don’t need to be admitted to hospital.
Hospital List
Choose where you’d prefer to receive treatment.
Therapies Cover
Includes treatments like acupuncture and homeopathy.
Additional Mental Health Cover
Extra support for more complex conditions.
Optical, Dental and Hearing Cover
Claim back everyday healthcare costs.
Worldwide Travel Insurance
Travel insurance that includes overseas emergency medical treatment.
Care Hub: manage your healthcare in one place
Care Hub connects you to the right treatment quickly and helps you stay on top of your health. It's available to you Vitality UK app and Memberzone.
- Book GP, physio and mental health consultations
- Get instant approvals for eligible claims
- Access rapid cancer risk assessments
- Choose your consultant based on expertise and location
Discounts and rewards
Save money on a monthly gym membership, activity trackers, running shoes and more. Then, get active and you could choose rewards like a monthly cinema ticket.Get a health insurance quote
It only takes a few minutes for an online quote.
Need advice?
Call us on 0330 678 3326.*
Our team are on hand to answer your queries.
Lines are open:
Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm
Closed: Sunday and bank holidays.
* Calls to 03 numbers cost no more than national rate calls to 01 or 02 numbers, and are included in many inclusive minutes packages.
1 Price is based on the following criteria: a 30-year-old, based in Peterborough, plan start date 1 September 2025, FMU underwriting, Consultant Select hospital option, £250 excess and £500 Out-patient benefit and includes Insurance Premium Tax (IPT).
2 Subject to Out-patient cover being selected