Core health cover

If you get ill and need treatment, we make sure you get the best possible medical care - and we give you access to the latest drugs and treatments. Care starts the minute you call us. You'll speak to someone who listens, who understands and who'll do everything they can to help. Your health insurance plan begins with Core cover - then you can add health cover options to create a plan that's just right for you.

1. Vitality, our healthy living programme

Vitality is our healthy living programme. It's one of the ways we help you live life well. Through Vitality, we suggest ways you can get healthier. We give you discounts on things that are good for you. We give you rewards for making positive changes to your health. And as you get healthier, we even pay back some of your premiums.

2. Full Cancer Cover

If you're diagnosed with cancer, our health cover will cover you for all In-patient and Out-patient costs relating to your treatment, including:

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

 

If your cancer is no longer treatable, we will continue to provide you with the care that is needed to relieve any symptoms and to make you as comfortable as possible.

 

Everyone starts with Full Cancer Cover. You can downgrade this to Core Cancer Cover when you get a quote online.

 

3. In-patient and Day-patient cover

Our core In-patient and Day-patient health cover includes a range of hospital and specialists' fees and diagnostic tests.

Hospital fees

Our health cover includes:

  • Overnight stays
  • Nursing
  • Drugs you might need while in hospital
  • Intensive care treatment
  • Operating theatre charges

 

Specialist fees

As long as your specialist is registered with an accredited body and recognised by us, we pay the in-patient and day-patient fees in full. So you won't be asked to make up any shortfall. We're the only health insurer to do this.

Diagnostic tests

We'll pay for any diagnostics tests that you might need while you're in hospital.

4. MRI, CT, PET Scans

If you're staying in hospital, we will pay for any MRI, CT and PET Scans you might need.  Our health cover includes these scans as an Out-patient if you are referred by your specialist.

5. NHS Hospital Cash Benefit

If you choose to have NHS treatment rather than being treated privately through your plan, you could claim back a cash amount:

  • £250 for each night you stay in an NHS hospital (up to £2,000 per plan year)
  • £125 for day-patient treatment (up to £500 per plan year)
6. Oral Surgery

We cover a range of surgical procedures including removal of impacted teeth, buried roots and complicated roots.

7. Childbirth Cash Benefit

If you have a child and you've been covered by us for at least 10 months, we'll give you £100 whenever you have a child. We pay once per child, even if both parents are covered on the plan.

We will also give you £100 if you legally adopt a child. The child must be under 18 at the time of adoption and we must be informed within six months of the adoption place. In the case of adoption there is no ten-month waiting period before you can claim this benefit.

8. Home Nursing Cover

If your specialist recommends it, we'll cover your home nursing costs to help you get back on your feet after a stay in hospital.

9. Private Ambulance

You're covered for a private vehicle to take you between hospitals if it's medically necessary.

10. Parent Accommodation

If your child needs to stay in hospital overnight, you'll want to be beside them. Simple as that. If your child is under 14 and covered on your plan, we'll cover the cost for one parent to stay.

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