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Full Cover Promise

Private health insurance with no hidden surprises.

Unlike some other health insurance plans that can leave members out of pocket when they claim, when we say ‘Full Cover’, that’s just what we mean.

We promise to pay all consultants’ and anaesthetists’ fees for in-patient and day-patient treatment, as long as the treatment is eligible on your clients’ plan and the consultant is recognised by us.


Full cover for consultant’s fees may be available from other insurers for an extra cost.

Benefits of Vitality's Full Cover Promise

  • Available as standard

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    Full Cover Promise is available to all members as part of our Core Cover proposition.

  • Convenient access

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    Choice of consultant - all recognised consultants will have their fees paid in full by us, meaning no shortfall for your clients to cover.

  • No set limits

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    There are no set time or money limits so your client can concentrate on getting better in the best way for them – without worrying about the cost implications.

  • Offers reassurance

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    Offers your clients reassurance that all their health costs are covered if the condition and treatment is eligible on their plan.

Switch and Save

Switching your clients to Vitality has never been easier for you and so rewarding for your clients. We'll look to beat their renewal premiums with our Switch and Save initiative.

Find out more about switching your Personal Healthcare clients

Find out more about switching your Business Healthcare clients

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.

  • Cover Options

    Your clients can tailor their plans by adding additional Cover Options, such as Out-patient Cover, Therapies Cover and more.

  • ABC Pricing

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

  • Vitality GP

    Video consultations with a private GP, private prescriptions and more for your clients.