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Health insurance

Optical, Dental and Hearing Cover

Protect your clients' everyday health with Vitality.


Help cover the cost of dental, optical and hearing check-ups and treatment.

Looking after key aspects of our everyday health – like our sight, hearing and dental needs is essential to our overall health, but the costs can quickly stack up.

Our market-leading Optical, Dental and Hearing Cover combines three benefits into a single, high-value cover option.

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.

Not only that, but it also contributes towards other significant needs like hearing aids and restoring appearance after a dental accident.


Key benefits for your clients

  • Simple and valuable – clients get access to high-value cover which combines three benefits into a single cover option, without the need to select multiple individual benefits.
  • A unique focus on prevention - we reimburse 100% of the costs of preventative dental treatment1 and sight tests2, up to the cover limit.
  • Cover for everyday costs – for common expenses such as dental procedures and prescription eye-wear, meaning it provides highly relevant cover all clients can benefit from every year.

What's included?



We’ll give your clients up to £500 for an eye test, and a new pair of glasses or a year's supply of contact lenses, with our leading optical partner Vision Express. We’ll cover up to £3003 if you go through any other accredited optician.



Your clients get up to £100 for preventative care each plan year, including check-ups and hygienists’ fees, as well as up to £4003 for treatments like fillings, crowns and dentures. Plus, we'll cover up to £2,500 of costs resulting from a dental accident - up to two claims per plan year.



Your clients get £3003 to cover the cost of hearing tests and to contribute to new hearing aids if they get a new prescription.

How it works

Your clients can choose to add Optical, Dental and Hearing Cover when they take out a new Personal Healthcare, Business Healthcare (except Vitality Essentials and Vitality at Work Business) or Corporate Healthcare (except Vitality at Work Enterprise) plan, or when they renew.

How Optical, Dental and Hearing Cover works
Optical - contributes towards the cost of eye tests, a new pair of prescription glasses or a year's supply of contact lenses. Available for each new prescription issued after the cover start date. Cover amount  Vision Express: £500 per plan year
Any other recognized provider: £300 per plan year
Reimbursement Vision Express: 100%
Any other recognised provider: 80%
Dental - comprehensive cover for penetrative, restorative and emergency treatment.
Your client will need to have had a dental check up in the 15 months before their cover start date and have completed all recommended treatment.
Cover amount Routine (e.g. check-ups and hygienist fees): £100 per plan year
Major (e.g. fillings and crowns): £400 per plan year
Emergency (dental accidents): £2,500 per claim, maximum two claims per plan year
Reimbursement Routine: 100%
Major: 80%
Emergency: 100%
Hearing - cover for hearing tests and a contribution to a new hearing aid. Cover amount £300 per plan year
Reimbursement 80%

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


New to Vitality?

Let’s help you to realise your business potential.

1. Up to a maximum £100 per person, per plan year
2. Up to a maximum of £500 per person, per plan year if you choose to use Vision Express
3. We pay 80% of the costs.