VitalityHealth Reviews

What does VitalityHealth insurance cover?

VitalityHealth insurance policies cover the following as standard:

• Vitality GP
• NHS hospital cash benefit
• Full cover for in-patient and day-patient costs
• Hospital fees and diagnostic tests
• Specialist and consultant fees
• Childbirth cash benefit

• In-patient and day-patient MRI, CT or PET scans
• Private ambulance
• Advanced cancer cover
• Parent accommodation
• Out-patient surgical procedures
• Lifestyle surgery
• Mental health support

What optional extras can I add to my VitalityHealth insurance policy?

VitalityHealth offers flexible cover to suit your needs. You can add any of the following optional extras to your plan to get the cover you need.

Add a hospital list

All VitalityHealth insurance plans come with Consultant Select included as standard. Consultant Select lets doctors decide who should treat you and which hospital you should be treated at based on your condition and where you live. If you choose to add a hospital list to your plan, you’ll get more freedom over your treatment.

Out-patient cover

This provides cover for out-patient consultations and consultant fees when necessary as part of your treatment. Out-patient diagnostics including MRI, CT and PET scans, blood tests, x-rays, radiology and pathology when referred by a consultant. You can add:

• Out-patient cover with a limit – you can set a limit of £500, £750, £1,000, £1,250 or £1,500 for out-patient consultations, consultant fees, diagnostic tests and physiotherapy that isn’t arranged through VitalityHealth’s Priority Physiotherapy Network.
• Full cover diagnostics – if you’ve selected out-patient cover with a limit, you can upgrade to full cover for any out-patient diagnostic tests you need, meaning your out-patient limit will only apply to specialist consultations and physiotherapy not undertaken within VitalityHealth’s network.
• Full out-patient cover – this includes all out-patient consultations, consultant fees, diagnostic tests and physiotherapy arranged through their Priority Physiotherapy Network.

Therapies cover

Includes full cover for chiropractic treatment, osteopathy, chiropody/podiatry, acupuncture, homeopathy and two consultations with a dietician following a GP or consultant referral.

Mental health cover

VitalityHealth’s mental health cover includes unlimited therapy services and out-patient, in-patient and day-patient support. You’ll get:

• Unlimited Talking Therapies treatment
• £1,500 out-patient support for consultations with psychiatrists and psychologists
• 28 days in-patient and day-patient treatment in a treatment facility

Dental cover

You can add two levels of dental cover to your policy depending on how much cover you want and how much you want to spend.

• Major dental treatment – covers you for crowns, bridges, root canal treatment, extractions, apicectomy, dentures and emergency dental work after an accident.
• Major and routine dental treatment – covers you for everything included in major dental treatment, as well as routine examinations, scaling and polishing, dental x-rays and fillings.

Worldwide travel cover

VitalityHealth’s worldwide travel cover includes:

• Up to £10 million emergency medical expenses overseas, as well as lost luggage, delayed flights and more.
• Offers cover for up to 120 days, as long as you’re aged 64 or under when this benefit is added to your plan.

Managing your VitalityHealth insurance plan and making a claim

You can find a summary of your cover and any information you need by logging into the Member Zone online. In order to make a claim, you’ll need an open referral from a GP that details your symptoms or conditions. You can get an open referral via the Vitality GP app or your NHS GP, whichever is more convenient for you.

When you contact VitalityHealth, they can assist you in locating a specialist. Or, if you’ve chosen a hospital list and want to see a specific consultant, you’ll need to provide details of the consultant or therapist who is registered with VitalityHealth. If you know which hospital you want to be treated at, you need to check it’s included on your hospital list.

You can start a claim or manage an existing one in VitalityHealth’s Care Hub by logging into your account. In the Care Hub, you can:

• Start a claim
• Track existing claims
• View bills/invoices/payments
• Find out how much your excess is

Contact VitalityHealth

If you’re abroad and need to make an emergency claim on your VitalityHealth insurance, you can contact them 24 hours a day, seven days a week on 00 44 345 278 5605.

If you want to speak to the health team, you can reach them on 0345 602 3523. Lines are open Monday to Friday 8am to 7pm or Saturday 9am to 1pm.