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Health insurance

Core Cover

For Personal and Business Healthcare plans.

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A comprehensive package of healthcare benefits

Our comprehensive Core Cover for Personal and Business Healthcare gives your clients the peace of mind that comes with knowing they can get fast access to the highest-quality private healthcare, whenever they need it. Plus - it’s a great way for them to stay well, because we reward your clients for getting active, too.

You can tailor your client’s cover further to suit their needs with our Cover Options - allowing them to add any of these options to their Core Cover.

What's included in our Core Cover?

In-patient and day-patient

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


Access to up to six physiotherapy sessions within our Priority Physio network.

Out-patient surgery

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

Advanced Cancer Cover

Our Advanced Cancer Cover provides them with access to comprehensive treatment and support, should they need it.

Mental Health support

Access to up to 8 sessions with our Talking Therapies network. Plus they can earn Vitality points and rewards for engaging in mindfulness activities with a discounted membership to Headspace.

Integrated Primary Care

Access to virtual GP consultations, up to 8 sessions of Talking Therapies, and up to 6 physiotherapy sessions each plan year.

Plus additional benefits

Including NHS hospital cashback, childbirth cash benefit, private ambulance cover and more.

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

Personal Healthcare guide   Business Healthcare guide

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Consultant Select

The simple, fully digital way to get a referral to the right high-performing consultant for your client’s needs.

When providing a choice of consultants, our selection prioritises Premier Consultants who are shown to deliver, on average, superior performance across key measures. These include length of stay, re-admission rate and the need for patients to change consultants.

Members can choose a consultant either online, through the Care Hub, or by speaking to our member care team, making the process of finding the right consultant simple and stress-free.


Fair and transparent renewal pricing

Our renewal prices are based on our ABC pricing model which is fair, intuitive and transparent. We use your clients Age, Base rate increase, Claims history and engagement with the Vitality Programme to calculate their renewal premium.

As well as providing lower increases for claimers than the market, your clients can also reduce any increase by engaging with the Vitality Programme.

We're here to help.

Your Business Consultant is always ready to support you.


Adviser Hub

Quote, apply and manage your clients online.


Get in touch

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


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