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Cover Options to suit your clients’ needs

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Flexible cover to suit your client's needs.

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
  • Dental 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.

Learn 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 psychiatric 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.

Learn more

Dental Cover
Available with two cover limits, depending on how much your client wants to spend and how much cover they want. Whichever they pick, they're free to choose their own dentist.

  • Major Dental Treatment covers: crowns, bridges, root canal treatment, extractions, apicectomy, dentures, and emergency dental work after an accident.
  • Major and Routine Dental Treatment covers everything in Major Dental Treatment, as well as routine examinations, scaling and polishing, dental x-rays and fillings.
Optional Optional Worldwide Travel Cover
Up to £10 million emergency expenses abroad, and cover for unexpected events such as lost luggage or delayed flights, for trips of up to 120 days each.
Not available Optional
Emergency Overseas Cover
Whether your clients are away on holiday or for business, our Emergency Overseas Cover offers emergency medical treatment if they need it, for trips of up to 90 days.
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 your plan further

Your client can tailor their plan further by choosing a hospital list, a level of excess and choosing which type of underwriting suits their needs.
Read more in our sales aid

Hospital Options

We provide access to over 20,000 consultants through our hospital lists. Clients can choose where they are treated to suit their needs and budget.
Read 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.
Learn more

Where to next?

  • ABC Pricing

    Learn how your client’s premiums are calculated

  • Core Cover

    All our plans start with Core Cover, which has a variety of benefits

  • Personal Healthcare

    An overview of Vitality’s 5-star Defaqto rated comprehensive cover for your individual clients

  • The Vitality Programme

    As well as award-winning cover, we give you something back when you get healthier, meaning you can benefit without having to claim