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Full Cover Promise

Private health insurance with no hidden surprises

Unlike some other health insurance providers that can leave you out of pocket when you claim, when we say ‘Full Cover’, that’s just what we mean.
We promise to pay all consultants’ and anaesthetists’ fees for in-patient and day-patient treatment, as long as the treatment is eligible on your plan and the consultant is recognised by us.

And if it’s not in your plan – or it’s not covered in full by your plan – we’ll tell you upfront. That’s a promise, too. VitalityHealth is the only health insurer in the UK to offer this simple yet valuable guarantee as part of its Core Cover proposition1.

Some other health insurers will only pay consultants’ fees up to a certain amount – so, if your consultant charges more than that, you’ll have to cover the rest, meaning you could end up paying hundreds of pounds2.

What are the benefits of the Full Cover Promise?

  • Pound icon

    It's available as standard, at no extra cost

  • Medical bag icon

    Offers you reassurance that all eligible health costs are covered

  • Clock icon

    There's no set time or money limits

  • Stethoscope icon

    Access to any recognised consultant

Computer icon Ready to apply online?

Award-winning health insurance from £1.15 per day.

Online quote
Phone icon Call us on 0808 274 1902

Or ask for a call back and we’ll get in touch at a time to suit you.
Lines are open:
Monday to Thursday 9am-6pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed


Where to next?

  • Vitality GP

    Video consultations within 48 hours, a 24/7 medical helpline, direct referrals to a consultant if needed, private prescriptions and more

  • In-patient and day-patient treatment

    Full Cover for eligible hospital fees, consultant fees and diagnostic tests as well as out-patient surgical procedures. You also get a range of additional benefits such as Home Nursing and Childbirth Cash Benefit

  • Core Cover

    Our Core Cover gives you the peace of mind that comes with knowing you can get fast access to the highest-quality private healthcare, whenever you need it

  • Switch to Vitality health insurance

    Do you want to save £138? That’s how much Vitality members saved on average by switching to Vitality health insurance3

1 Full Cover promise may be available from other providers at an additional premium.
2 If the condition and treatment is eligible under your plan.
3 Vitality health insurance savings data for Vitality switchers from May 2018 to January 2019.