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Cover Options to suit your clients’ needs

Tailor your clients' plan with our flexible Cover Options

To make sure your client gets exactly the plan they want, we give them the option to tailor their cover. 

Your clients can add various options to their Core Cover. All benefits are per insured member, per plan year, unless we state otherwise.

Options includes:

  • Out-patient Cover
  • Mental Health Cover
  • Therapies Cover
  • Optical, Dental and Hearing Cover 
  • Worldwide Travel Cover


To get exactly the plan they want – and a little extra peace of mind – your clients can add any of these options to their Core Cover

Personal Healthcare Business Healthcare  Cover Option
 Optional Optional

Out-patient Cover
Includes out-patient consultations and consultant appointments when needed as part of the treatment; out-patient diagnostics including MRI, CT & PET scans, blood tests, x-rays, radiology and pathology when referred by a consultant. There are two levels of cover.

  • Out-patient Cover with a limit includes out-patient consultations, consultant appointments, diagnostic tests and physiotherapy that isn’t arranged through our Priority Physiotherapy Network up to a limit of £500, £750, £1,000, £1,250 or £1,500. MRI, CT & PET scans will be covered in full no matter what limit is chosen. We also pay in full for physiotherapy arranged through our Priority Physiotherapy Network.
  • Full Out-patient Cover includes all out-patient consultations, consultant appointments and diagnostic tests.
  • Full Cover for Diagnostics – your client can upgrade their Out-patient Cover so that out-patient diagnostic tests would be covered in full, and only their consultations, consultant appointments and physiotherapy that isn’t arranged through our Priority Physiotherapy Network would be covered by their chosen Out-patient Cover limit.
Physiotherapy Cover
Our physiotherapy network includes over 7,000 accredited physiotherapy clinics across the UK. This means that, more often than not, your clients will be able to have treatment at a convenient location, less than 10 minutes' drive away from their home or place of work. 

Cover for a physiotherapist within our network: Treatment will be covered in full and not form part of the Out-patient Cover limit.

Cover for a physiotherapist outside of our network: Treatment will continue to be deducted from your client's Out-patient Cover limit and will be limited to £35 per session.

Find out more
Optional Optional

Therapies Cover
Includes chiropractic treatment, osteopathy, chiropody/podiatry, acupuncture, homeopathy and up to two consultations with a dietician after a GP or consultant referral. Full Cover.

Optional Optional
Mental Health Cover
Includes consultations and treatment with a psychiatrist or psychologist and hospital stays. All mental health claims are managed on a case-by-case basis.
Up to 28 days of in-patient or day-patient treatment, £1,500 out-patient treatment and full cover for in-network talking therapies.

Find out more
Optional Optional

Optical, Dental and Hearing Cover
Combines three benefits into a single, high-value cover options. It’s designed to help your clients meet some of their most common healthcare costs, from routine check-ups and preventative care, to dental procedures and prescription glasses. It also contributes towards other significant needs like hearing aids and restoring appearance after a dental accident.

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Optional Optional Worldwide Travel Cover
• Up to £10 million emergency medical expenses abroad for trips of up to 120 days each
• Cancellation cover up to the value of £10,000
• Cover for other non-medical expenses including lost luggage, travel disruptions and personal accidents
• Plus, travel vaccination and preventative medication cover which includes 11 common jabs and anti-malarial treatment

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Not available Optional Emergency Overseas Cover
Whether your clients are away on holiday or for business, our Emergency Overseas Cover covers up to £10 million for emergency medical treatment for trips up to 120 days. It also covers repatriation and evacuation back to the UK.

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Not available Optional
Employee Assistance Programme
Provides support, advice and expert assistance to help your clients' employees through difficult times.
Not available Optional
Personal Health Fund (PHF)
Employees can use the PHF to pay for everyday healthcare expenses not usually covered by private medical insurance – e.g. eye tests or dental check-ups. The more effort employees make to get healthy, the more money we pay in to their PHF, up to a maximum of £225 per plan year. Employees can have maximum of £1,000 in their PHF at any time.

Tailor the plan further

As well as selecting a panel or hospital option, your clients can tailor their plan further by choosing a level of excess and which type of underwriting suits their needs.
Find out more in our sales aid

Panel and hospital options.

Our Consultant Select treatment option will provide your clients with a choice of appropriate consultants from Vitality’s network of consultants.

Alternatively, your clients have the option to choose our Countrywide and London Care lists of leading UK hospitals, to give them more choice over where their treatment takes place.
Find out more

Mental Health Cover.

We believe in the importance of providing a holistic solution to mental health while also providing more comprehensive treatment when required.

In addition to the mental health benefits available as part of Core Cover, VitalityHealth also offers the option for members to select a separate Mental Health Cover option.
Find out more

Where to next?

  • Core Cover

    All our plans start with Core Cover; giving your clients peace of mind with fast access to the highest quality private healthcare.

  • ABC Pricing

    Learn about our unique approach to calculating your clients' premiums.

  • Full Cover Promise

    Unlike with some other insurers, our Full Cover Promise means your clients won't be left out of pocket when they claim.

  • Care Hub

    Care Hub gives your clients fast, seamless access to care and healthcare professionals, all in one place.