Private hospital treatment
- Get private hospital appointments and tests
- Find and book the right consultant for your condition
Private healthcare treatment, when you need it
Vitality gives you access to expert care, tailored to you:
- Get access to consultants based on expertise, in the UK
- Choose where you're tested, from our approved network or your chosen hospital list
- We pay in-patient and day- patient consultant fees in full
You can also boost your cover to include extra treatment options when you buy a health insurance plan.
What's in your core cover?
You're covered for all hospital appointments and overnight stays, as well as:
Hospital fees
- Nursing
- Any drugs you might need while in hospital
- Intensive care treatment
- Operating theatre charges.
Consultant fees
As long as your consultant is recognised by us, we'll pay for:
- Surgeons' fees
- Anaesthetists' fees
- Physicians' fees
- Other consultant appointments.
Tests and procedures
We also cover you for:
- Blood tests
- X-rays
- MRI, CT and PET scans, if required
- Other consultant appointments.
Also included in your core cover
Out-patient surgeries
Procedures covered by your plan where you don't need to stay in hospital.
NHS hospital cash benefit
Up to £250 per night1 for overnight stays in an NHS hospital and £125 per day2 for day-patient treatments.
Weight loss surgeries
We pay 75% of the cost of weight loss surgery such as gastric bypass and gastric banding3.
Childbirth cash benefit
Get a £100 cash payment per child after your give birth (as long as you’ve had your plan for 10 months) or adopt a child.
Pregnancy complications cover
We'll pay in full for certain procedures - including ectopic pregnancy and miscarriage - whether you’re in in-patient, day-patient or out-patient.
All benefits are per insured member, per plan year, unless stated otherwise. You must be treated at a hospital covered by your plan.
1 Up to £2,000 each plan year
2 Up to £500 each plan year
3 Subject to specific eligibility criteria (including age and BMI requirements) and a 25% contribution towards the costs of the treatment package.
Choose where you're treated
You choose
If you’d like to be treated at a specific hospital, you can add a hospital list to your plan. You’ll also be able to choose your consultant from our approved list.
Let us choose
We'll find the best suitable care for you and your circumstances. You'll still get a choice of up to 10 consultants, including Premier Consultants4 from our trusted list.
4 Our Premier Consultants have a proven track record of getting to the bottom of even the most complex health problem, giving you peace of mind. Patients treated by Premier Consultants have 41% lower re-admission rates and 25% shorter length of stays. Source: Vitality Health and Claims Report 2025.
Ready to get a health insurance quote?
Private hospital treatment is included in our health insurance plans.
Want more out of your cover?
You can tailor your cover when you buy a health insurance plan. Adding out-patient cover gives you access to private diagnosis and treatment without needing to be admitted to hospital. This includes:
- Specialist consultations and consultant fees
- Diagnostic tests - like MRIs, CT and PET scans
- Get unlimited physio sessions within our Priority Physio Network.
Call 0330 678 3326* to speak to the team or get a quote online.
Call charge information
*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.
