Business Healthcare Cover Options

Everyone's lifestyle and health needs are different. So your clients can add any of these options to their core health insurance cover. They just choose the cover they need.

Out-patient Cover

If your clients choose our Out-patient Cover, their employees will be covered for seeing specialists outside a hospital admission. This means they won't have to wait for results, and they won't have to wait months to be treated. 

 

This cover includes:

  • Specialist consultations
  • Physiotherapy
  • Diagnostic tests such as blood tests and x-rays

Your clients can choose from Full Out-patient Cover, which includes unlimited out-patient visits and diagnostic tests. 

 

Or they can opt for limited cover, which includes specialist consultations, physiotherapy and diagnostic tests up to a set limit of £500, £750, £1,000, £1,250 or £1,500.

Therapies Cover

If your client's employees are suffering from back or neck pain, food intolerances or other general problems, their GP or specialist might refer them to a therapist. 

 

Therapies we cover:

  • Chiropractic treatment
  • Osteopathy
  • Chiropody/podiatry
  • Acupuncture
  • Homeopathy
  • Two consultations with a dietician

Choose either:

  • Full cover
  • Cover up to £350 per plan year
Psychiatric Cover

Your clients health insurance can look after their employees mental health too. We cover treatments such as:

  • Stress counselling
  • Consultations and treatment with a psychiatrist or psychologist
  • Hospital stays 

Levels of cover for each plan year:

  • £15,000 including an out-patient limit of £1,500
  • £20,000 including an out-patient limit of £1,500
Core Cancer Cover

To meet your clients needs and budget, they can reduce their Cancer Cover from Full Cancer Cover to Core Cancer Cover.

 

With Core Cancer Cover, we cover in-patient and out-patient costs if your client's employees are diagnosed with cancer. These costs include:

  • Radiotherapy, chemotherapy and follow-up consultations
  • Biological therapies*
  • Hormone and bisphosphonate therapies*
  • Cancer surgery and reconstructive surgery
  • Stem cell transplantation

* Limits apply to these therapies.

Personal Health Fund

Your clients can enhance the benefit offered to their employees by selecting to include the Personal Health Fund (PHF) as part of their plan. Every year we pay an amount of money into a fund for each of the employees. They can use this to pay for everyday healthcare bills that aren't usually covered by private medical insurance - things like eye tests, dental check ups or physiotherapy. The more effort your client's employees make to get healthy, the more money we pay in to their PHF.

Employee Assistance Programme

Our Employee Assistance Programme (EAP) can provide support, advice and expert assistance to help your clients' employees through difficult times, which could otherwise affect their ability to lead a balanced and productive life.

 

With EAP all your clients' employees will have:

  • Unlimited access to a 24-hour dedicated helpline providing debt counselling and legal and financial advice
  • Confidential face-to-face counselling where required. (Up to six free sessions per plan year)
Private GP Helpline

No need to wait for an appointment. Your client's employees can talk to a doctor 24 hours a day, seven days a week.

Dental Cover

Choose from two levels of cover. Whichever is selected, your client's employees are free to choose their own dentist.

 

Major Dental Treatment:

 

We'll provide your client's employees with cover for major dental treatment including:

  • Crowns
  • Bridges
  • Root canal treatment
  • Extractions
  • Dentures
  • Emergency dental work after an accident

Major and Routine Dental Treatment:

 

With this option we cover everything in Major Dental Treatment. We also cover routine examinations and scaling and polishing. And we cover dental x-rays and fillings.

 

Dental Cover Major Dental Treatment Major and Routine Dental Treatment
Maintenance: routine examinations. Maximum of two claims each plan year Up to £30 per claim  
Maintenance: routine scaling and polishing. Maximum of two claims each plan year Up to £40 per claim  
Maintenance: dental x-ray. Charges for radiography of teeth or jaw. Maximum of two claims each plan year Up to £40 per claim  
Treatment: fillings. Maximum of two claims each plan year Up to £40 per claim  
Crowns: new or replacement Up to £300 Up to £400
Inlay/onlay/overlay: new or replacement Up to £100  
Bridges/implants: new or replacement Up to £200 Up to £300
Root canal treatment Up to £150 Up to £250
Apicectomy Up to £100 Up to £150
Extractions Up to £150 Up to £250
Dentures: new or replacement Up to £250 Up to £350
Accident and emergency: Accidental dental: charges made by a dental practitioner or specialist for a dental accident. Maximum of four claims each plan year Up to £2,500 per claim Up to £2,500 per claim
Emergency dental: Charges for immediate relief of severe pain, haemorrhage and/or infection. Maximum of two claims each plan year Up to £300 per claim  
Emergency call-out fees: Maximum of two claims each plan year Up to £50 per claim Up to £50 per claim

 

Read our eligibility requirements.

Worldwide Travel Cover
  • Up to £10 million emergency medical expenses overseas
  • Also covers everything from a lost suitcase to a delayed flight
  • Even includes Winter Sports Cover
  • Applies to trips of up to 120 days
Travel benefit Amount of cover
Overseas medical expenses Up to £10 million
Medical cover if taken ill overseas, including accommodation costs and travel expenses for one person to remain behind with the sick or injured member*
Repatriation expenses*
Transfer of body or ashes back to the UK
Cost of burial or cremation outside the UK Up to £1,000
Other travel expenses
Loss or damage to personal belongings Up to £2,000*
Loss of personal money Up to £1,000*
Delayed departure Up to £100
Missed departure Up to £500*
Cancelling the trip or cutting it short Up to £4,000*
Personal accident Up to £25,000
Personal liability Up to £2 million
Loss of passport Up to £250*
Delayed baggage Up to £200*
Legal expenses Up to £25,000
Winter Sports Cover (cover is limited to 21 days in total in a plan year)
Loss or damage to ski or snowboarding equipment Up to £500* each plan year
Loss of ski pass Up to £500* each plan year
Piste closure (£30 a day) Up to £500* each plan year
Loss of use of hired skis and ski pass due to illness or injury Up to £500* each plan year
*Notes

1. Benefits per each person covered, per holiday, unless otherwise stated

2. A £50 excess applies to all benefits marked with an asterisk

3. You must be 65 or under when you apply for this cover
Emergency Overseas Cover

Whether your client's employees are on holiday or on a business trip, our Emergency Overseas Cover means they'll get emergency medical treatment if they need it, for trips of up to 90 days.

 

What we cover How much cover we give
Your client's employees' medical bills if they get ill overseas. This includes accommodation and travel expenses for one person to stay behind with them* Up to £100,000
The costs of evacutation or repatriation* Up to £1 million
The costs of bringing a body or ashes back to the UK
The cost of burial or cremation outside the UK Up to £1,000

 

*Your client's employees will need to pay a £50 excess for these benefits.

 

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It all starts with Core Cover

Read about the benefits which form the foundation of your client's Business Healthcare Plan.

See what's included in Core Cover

Rewards for healthy living with Vitality

We help your client's employees understand their health, and suggest ways they can improve it. We make it easier and cheaper for them to get healthy. And, to keep them motivated, we give them rewards for making positive changes to their health.

More about Vitality