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Health insurance

Core Cover

Give your personal and business clients so much more than access to private hospital treatment

Award-winning cover for when your clients need it most

  • Defaqto 5 star rated 2024
  • 5-Star-2024_PMI_COLOUR
Doctor speaking to patient on hospital bed

A benefit-packed, award-winning plan

Our Core Cover gives your clients fast access to everyday healthcare - GPs, physios, mental health support and more. It also offers fast follow-up treatment - such as screenings, tests and consultant visits.

Health living support included
Clients get a year health check as part of the plan* and earn rewards for healthy habits. As well as personalised, scientifically proven advice on how to get healthier.

All managed from the palm of your client's hand
It's easy for your client to get the care they need in one place. For example, they can book a GP, make a claim and track it end-to-end, all from their smartphone or laptop.

*One adult member gets an annual health check included as standard per plan year. There's a £15 charge for all other adults on the plan. 

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Top consultants deliver better patient outcomes

When your clients need to see a consultant, Core Cover allows them to pick a consultant of their choice, too.

Members treated by Premier Consultants - our trusted list of top performing specialists - are show to spend less time in hospital. They also suffer fewer complications that might need them to be readmitted*.

*Patients treated by Premier Consultants have a 27% lower likelihood of being readmitted to hospital after treatment (Source: Vitality Health Claims Insights Report 2024) 

What Core Cover includes

Vitality GP

Fast access to our private GPs. Clients can also get the green light for follow up treatment

Physiotherapy 

Clients can sort everyday join and muscle niggles fast - no GP referral needed - with up to six physio sessions included in their plan1

Mental Health support

Clients can refer themselves for Cognitive Behavioural Therapy (CBT) or counselling1

Advanced Cancer Cover

From early detection and treatment through to recovery, your client will have a dedicated cancer care team on hand for every step of their treatment

In-patient and day-patient

Full cover for eligible hospital fees, consultant fees and diagnostics tests.

Out-patient surgery

We pay for surgical procedures where they're treated as an out-patient.

There's more...

They can also claim NHS hospital cashback, childbirth cash benefit, private ambulance cover and more

1 Some clients may need to pay an excess when they access physiotherapy or mental health support through Vitality 

Find out more about our Core Cover and additional benefits in our product guides:

Personal Healthcare guide   Business Healthcare guide

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Renewal prices as simple as A, B, C

Our renewal prices are clear and easy to understand. For our personal health insurance plans, we use our unique A, B, C formula:

A for Age
Like all insurers, your client's price goes up slightly every year they age. Because the older they get, the more likely the are to claim.

B for Base inflation of medical costs
Treatment, drug and hospital costs rise every year for every insurer. So our prices also take into account how much these costs go up

C for Claims
We adjust your client's price based on claims they've made*. How much we adjust it depends on how much they look after their health

*Claims made under the Worldwide Travel Cover and Optical, Dental and Hearing Cover are not considered when calculating the Claims element of your client's ABC renewal price

We're here to help

Your Business Consultant is always ready to support you.

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Adviser Hub

Quote, apply and manage your clients online.

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Get in touch

Call us on 0345 051 0044. Lines open Monday-Friday 8.30am-5:30pm

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