Health insurance FAQs
What is health insurance and how does it work?
Are PMI, health insurance and private healthcare the same?
How does private health insurance work?
The Vitality GP will always let you know if they can't help. This may mean they refer you to your NHS GP or to get in touch with us.
Once you get a GP referral, it only takes a few days to get access to a consultant, specialist or hospital treatment. You then have the flexibility and freedom to fix appointments and treatment dates at a time to suit you. You have more choice about who treats you.
What do I get with private health insurance?
What isn't covered?
- Any regular treatment of long- term (chronic) conditions, like diabetes or allergies
- Any treatment you receive outside the UK
- Emergency treatment or visits to your NHS GP
- pregnancy, childbirth and most related conditions
- Cosmetic treatment
- Organ transplants
- Any treatments or practices that are experimental, unproven or unregistered
- Any treatment for learning difficulties, delayed speech disorders and other developmental problems
Our plans are designed to cover new conditions that arise after your cover begins.Our plans are designed to cover new conditions that arise after your cover begins.
What's an insurance premium?
What should I consider before buying health insurance?
Do I need to have a medical before I take out health insurance?
If you do have a pre-existing condition, you’ll need to speak to our underwriting team and give them details. They’ll let you know if you need to provide any more information before we can offer you a quote.
What should I look out for?
- chemotherapy and follow-up consultations
- biological therapies
- hormone and bisphosphonate therapies
- cancer surgery and reconstructive surgery
- stem cell transplantation.
You can choose to set your own excess at zero, £100, £250, £500 or £1,000. You then decide whether to pay once a plan year or each time you make a claim. The higher your excess, the lower your starting premium.
What are my cover options with you?
You can control your costs by picking a higher plan excess. You can also save on your renewal premium by doing healthy things to raise your Vitality status.
Can I add or remove bits of my cover anytime or just when I renew?
Can I add people to my plan?
Is there an age limit?
Can I have different levels of cover for different people on my plan?
How long does a plan last?
How does the excess work on private health insurance?
The excess doesn’t apply to some benefits - Vitality GP, NHS Hospital Cash Benefit, Childbirth Cash Benefit and Lifestyle surgery (where a co-payment is required). It also doesn’t apply to Dental Cover and Worldwide Travel Cover, where a different excess may apply.
What is underwriting?
- With full medical underwriting, we’ll ask you questions about your medical history. We might exclude some pre-existing conditions from your cover.
- With moratorium underwriting, any conditions you had in the past five years won’t be covered at first. They will become eligible once you have gone two years on cover without needing any treatment, medication or advice for that condition.
- Continued Personal Medical Exclusions (switch) Underwriting carries over existing exclusions from your previous insurer. We may add more personal medical exclusions.
What's a personal medical exclusion?
What if I have a pre-existing condition?
What support do you give me if I get ill?
What costs are there with private health insurance?
How do I buy private medical insurance?
How can I reduce my premium?
Will my premium change?
Does it affect my cover or renewal premium if I claim?
What happens when my plan comes up for renewal?
What do I do if I'm leaving my company plan but want to keep my cover?
Can I cancel my plan?
If you cancel your plan before the end of the 12 month term, we reserve the right to charge an administration fee of £40. Once your cover ends, we won’t pay for any more treatment after that date.
How do I claim on health insurance?
How do I make a claim?
Which hospitals can I use?
Do I need to pay anything towards my treatment?
How do you deal with chronic conditions?
What is a chronic condition?
- Ongoing or long-term monitoring through consultations, examinations, check-ups, and/or tests
- Ongoing or long-term control or relief of symptoms
- Rehabilitation or for you to be specially trained to cope with it
- Continues indefinitely
- No known cure
- Comes back or is likely to come back.
What happens if I develop a chronic condition?
What happens if my condition gets worse?
Award-winning health insurance from £1.15 per day.
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