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Accident and Fracture Cover

How about market-leading cover for fractures, accidents, and emergency surgery? 1

 

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Your clients deserve more than just fracture cover 

Our new Accident and Fracture Cover offers so much more than fracture cover. 
With Vitality, your client will get:

  • Market-leading payouts that support their clients’ lifestyle and income
  • Automatic access to physiotherapy, to help speed up their recovery
  • Cover includes accidents, fractures and emergency surgery 
Add Accident and Fracture Cover to your clients' Personal Protection Plan for £7.50 a month per person. 

 

What your client gets 

Add Accident and Fracture to your client's plan, they'll get this extra peace of mind 

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Fracture cover 

Up to £10,000 based on where the fracture is and how badly it's fractured2

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Emergency hospital stay 

If your client has an accident or emergency surgery, that leads to a hospital stay of more than 48 hours, we'll pay out up to £2,0002

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Physiotherapy

Up to six sessions of physiotherapy after each valid claim, online or in - person

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How it works 

  1. They make a claim with us. If they suffer a fracture or need to stay in hospital for more than 48 hours after an accident or emergency surgery2.
  2. They get a lump sum when the claim is approved. Supporting costs like extra childcare, or mortgage payments and bills if time off work affects their earnings.
  3. They get well – and back to work - sooner with up to six sessions of physiotherapy after a valid claim.

We're here to help. 

Your Business Consultant is always ready to support you.

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Adviser Hub 

Quote, apply and manage your clients online.

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Get in touch

Call us on 0345 601 0072. Lines open Monday - Friday 8.30am - 6pm

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New to Vitality?

Let’s help you to realise your business potential.

Sources 

1.  Based on Vitality Competitor Analysis, 2025
2. One fracture claim, one hospitalisation benefit claim and one emergency surgery claim can be made each year following admission by an Accident and Emergency department or Urgent Care Centre.