Core cover
- Online GP appointments
- Access to high-quality private healthcare
- Rewards for healthy living
How our core cover can help
If you or your family get sick or injured, core cover gives you fast access to private healthcare to get you better.
But, we know prevention is better than a cure. So we'll provide you with the tools to get healthier, support to keep you going, and rewards for getting active.
Core cover starts from as little as £1.45 a day1. You can then tailor your plan by including cover options.
Included
When you or your family are unwell, you get:
- Private GP appointments with Vitality GP
- Private hospital treatment – including hospital fees, consultant fees, tests and procedures
- Cancer cover for all cancers – and support, from diagnosis2 to recovery
- Mental health support - up to 8 sessions of Talking Therapies such as cognitive behavioural therapy (CBT) and counselling
- Up to six sessions of physiotherapy within our Priority Physio network
- Access to Care Hub – connects you to a healthcare professional near you
Other benefits:
- Support for mental health and menopause
- NHS Cash Benefit – Choose to be treated at an NHS hospital rather than privately and you’ll receive up to £250 per night3 for overnight stays and £1254 per day for appointments, for day-patient treatment
- Discounts and rewards, including Apple Watch.
Not included
Like most health insurers, we don’t cover:
- Chronic conditions – These are long-term conditions which need ongoing treatment. For example, diabetes and asthma.
- Pre-existing conditions – If you already have a condition when you buy your plan, we don’t normally cover your treatment costs
- Treatment outside the UK – For emergency medical cover overseas, include worldwide travel insurance in your plan.
Cover options
Boost your health insurance plan with these optional extras:
Out-patient Cover – This is the most popular. It pays for tests and treatment when you don't need to be admitted to hospital
Hospital list – Choose which hospitals you’d like to be treated at
Therapies Cover – Covers treatments like acupuncture and homeopathy
Mental Health Cover – Extra cover for mental health conditions
Optical, dental and hearing insurance – Claim back costs for looking after eyesight, teeth, and hearing
Worldwide travel insurance – including emergency medical care
Care Hub: fast access to healthcare when you need it
Connect to the treatment you need in just a few clicks – if you or someone on your plan gets ill.
You can use Care Hub to:
- Manage your healthcare in one place
Arrange Vitality GP, physio or mental health consultations. Carry out rapid cancer risk assessments. - Get approvals in seconds
Get instant online authorisation for claims covered in your plan. Plus get fast-track access to breast screening and diagnostic services. - Pick and choose your consultant
Based on their experience, expertise and location. And book a consultation at a time that suits you.
Private hospital fees
If you’re admitted to hospital and the treatment is covered by your plan, we’ll pay for:
- Diagnostic tests
- Home Nursing
- Any drugs you might need while in hospital
- Surgeons’ and anaesthetists’ fees
- Physicians’ fees and other consultant fees.
Advanced Cancer Cover
If you’re diagnosed with any type of cancer, we’ll cover all eligible treatment costs in full (provided your treatment takes place in a hospital eligible under your plan).You’ll also be assigned a care consultant who will be with you each step of the way.
Mental health support
Our mental health is important for us to be able to lead healthy, happy lives.
Core cover includes eight online or face-to-face Talking Therapy sessions each plan year.
This includes counselling and cognitive behavioural therapy (CBT).
Discounts and rewards
Save money on a gym membership, activity trackers, sports shoes and more. Then, get active and you could earn rewards like monthly cinema tickets.
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 a national rate call to a 01 or 02 number, whether from a mobile or a landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to '03' numbers will be included.
Want to get a quote?
It only takes a few minutes
1 Price is based on the following criteria: a 35-year-old, based in Peterborough, plan start date 1st February 2024, 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
3 Capped at £2,000
4 Capped at £500