In-patient and day-patient treatment
Included as part of your Core Cover.
If you need treatment, you’ll get all the following benefits:
Get a quote
All it takes is a few minutes to get a quote online.
In-patient and day-patient treatment
Hospital fees - Full cover
- Includes overnight stays, nursing and any drugs you might need while in hospital. We also cover the costs of intensive care treatment and operating theatre charges.
Consultants’ fees - Full cover
- As long as your consultant is recognised by us, we pay your in-patient and day-patient consultant fees in full, including your surgeons’ and anaesthetists’ fees, physicians’ fees and other consultant appointments.
Diagnostic tests - Full cover
- If you’re admitted to hospital as an in-patient or a day-patient, we pay for the diagnostic tests you need – things like blood tests and x-rays. We also pay for any MRI, CT and PET scans if required.
Out-patient treatment
Out-patient surgical procedures - Full cover
- We pay for surgical procedures covered by your plan where you’re treated as an out-patient.
Other benefits
NHS Hospital Cash Benefit | If you choose to be treated on the NHS, rather than privately through your plan, we give you a cash amount. | £250 per night (up to a maximum of £2,000) for in-patient treatment and £125 per day (up to a maximum of £500) for day-patient treatment. | |
Home Nursing | To help you get back on your feet after a stay in hospital. If your consultant recommends home nursing instead of more in-patient treatment, we pay for it. | Full cover | |
Private ambulance | The use of a private ambulance for transfer between hospitals, whether NHS or private, if a consultant says it’s medically necessary. | Full cover | |
Mental Health | Cognitive Behavioural Therapy (CBT) or counselling, undertaken as an out-patient and arranged through our Mental Health Panel. | Up to 8 sessions per plan year | |
Oral Surgery | The surgical removal of impacted or partially erupted teeth, complicated roots, surgical drainage of a facial swelling, removal of jaw cysts and apicectomy. If you have an accident, we can also cover some kinds of dental surgery. | Full cover in specified circumstances | |
Rehabilitation | Rehabilitation treatment following a stroke or serious brain injury. | Up to 21 days | |
Pregnancy Complications | We cover in-patient and day-patient treatment if you suffer from ectopic pregnancy, miscarriage, missed abortion, stillbirth, post-partum haemorrhage, retained placental membrane and hydatidiform mole. | Full cover for specified procedures | |
Parent Accommodation | If you have a child under 14 on your plan and they need to stay overnight in hospital, we pay for hospital accommodation so that a parent can stay with them. | Full cover | |
Childbirth Cash Benefit | As long as you’ve had your plan for 10 months, we’ll give you a cash payment following the birth or adoption of a child. We pay once per child, even if both parents are covered by the plan. The 10-month waiting period doesn’t apply to adoption. | £100 per child | |
Weight loss surgery | If you have a BMI of 35 or greater (with co-morbidity) or BMI 40+ (with no co-morbidity), we cover gastric banding, a gastric sleeve or a gastric bypass subject to clinical approval. | You’ll need to pay a 25% contribution to the cost of consultations and package of treatment. | |
Corrective Surgeries | Procedures covered | Eligibility criteria | You’ll need to pay a 25% contribution to the cost of consultations and package of treatment, and have been on cover with us for a minimum of one year. |
Removal of port wine birthmarks on the face | Age under 5 years - maximum of 10 treatments | ||
Ear reshaping (pinnaplasty) | Age 5-14 years | ||
Breast reduction | BMI less than 27 and under 21 years of age | ||
Gynaecomastia | BMI less than 27 and under 21 years of age |
All benefits are per insured member, per plan year, unless stated otherwise and subject to further terms and conditions. You must be treated at a hospital eligible under your plan.
Frequently asked questions
Here are a few of the questions we’ve answered for our members
What's the difference between in-patient, day-patient and out-patient treatment?
Out-patient treatment is when you don’t need to occupy a hospital bed for the day, but go to hospital for a few hours for a consultation, test or minor procedure.
Although Core Cover includes all eligible in-patient and day-patient procedures, as well as out-patient surgical procedures, you can also get extra out-patient cover by adding other Cover Options to your plan.
Is there anything not covered by in-patient and day-patient treatment?
Can I choose where I'm treated?
You can find and book specialists online using Care Hub. Search for specialists in your area and see detailed information on every consultant - so you can choose the right care for you.
But if you want to be treated at a particular hospital, you can also select a hospital list to add to your plan. Whichever hospital list you choose, you should only go to a hospital on that list.
If you use a hospital that’s not on your list, you’ll need to pay 40% of treatment costs, excluding consultant fees.
![Phone icon](https://www.vitality.co.uk/media-online/presales/media-icons/phone-icon.png?h=30&w=30&la=en&hash=BEAB77756A65CA6636C52F810F431F58)
Call us on 0808 273 2371
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-8pm, Friday 9am-6pm, Saturday 10am-2pm
Sunday and bank holidays: Closed
Callback