Home > VitalityHealth - Essential Plan

VitalityHealth - Essential Plan

Like the Essential Plus Plan, the Essential Plan covers most hospital fees, including specialist fees, plus accommodation and parental accommodation if your child is a patient and 12 years or under. However, this plan offers less cover outside of hospital. Please see the table below for a full list of cover.

For large Corporate schemes PruHealth will offer a range of flexibility on benefits such as outpatient limits, Physiotherapist limits and Maternity cash benefits. Please see your account manager for further information.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Covered in full
Surgeon / Consultant / Specialist & Anaesthetists fees
	Covered in full
Physicians fees & diagnostic tests
	Covered in full
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Covered in full
Psychiatric treatment
	Not covered
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Combined limit of £600 pa
GP referred consultations
	Combined limit of £600 pa
Physiotherapy consultant referred
	Combined limit of £600 pa
Physiotherapy GP referred
	Combined limit of £600 pa
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Covered in full
Scans - MRI / CT / PET
	Covered in full at chosen hospital list
Key Facts - Additional Benefits
NHS cash benefit
	£50 per night or £50 per day (Subject to overall £2,000 annual limit)
Nursing at home
	Covered up to £3,000
Parental accommodation
	Covered in full (child under 12 yrs insured on policy)
Primary care
	Not covered
Private ambulance
	Covered up to £60 per trip
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Dependants up to any age are covered while the policy is in force
Chiropractors & Osteopaths
	Covered in full (up to £600 pa)
Dental treatment
	Oral surgery only to treat an acute medical condition
Discretionary Benefit Option (DBO)
	Available subject to agreement
GP minor surgery
	Not covered
Hospice donation
	Donation of £100 per day up to £1,000 max
Infertility investigations
	Not covered
Maternity cash benefit
	£100 per child
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Pregnancy
	Cover for ectopic pregnancy, hydatidiform mole, heavy bleeding post delivery or miscarriages only
Stress counselling helpline
	24 hour, 7 day a week private GP telephone consultation service
Transplants
	Not covered

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Covered in full

Surgeon / Consultant / Specialist & Anaesthetists fees

Covered in full

Physicians fees & diagnostic tests

Covered in full

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Covered in full

Psychiatric treatment

Not covered

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Combined limit of £600 pa

GP referred consultations

Combined limit of £600 pa

Physiotherapy consultant referred

Combined limit of £600 pa

Physiotherapy GP referred

Combined limit of £600 pa

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Covered in full

Scans - MRI / CT / PET

Covered in full at chosen hospital list

Key Facts - Additional Benefits

NHS cash benefit

£50 per night or £50 per day (Subject to overall £2,000 annual limit)

Nursing at home

Covered up to £3,000

Parental accommodation

Covered in full (child under 12 yrs insured on policy)

Primary care

Not covered

Private ambulance

Covered up to £60 per trip

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Dependants up to any age are covered while the policy is in force

Chiropractors & Osteopaths

Covered in full (up to £600 pa)

Dental treatment

Oral surgery only to treat an acute medical condition

Discretionary Benefit Option (DBO)

Available subject to agreement

GP minor surgery

Not covered

Hospice donation

Donation of £100 per day up to £1,000 max

Infertility investigations

Not covered

Maternity cash benefit

£100 per child

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Pregnancy

Cover for ectopic pregnancy, hydatidiform mole, heavy bleeding post delivery or miscarriages only

Stress counselling helpline

24 hour, 7 day a week private GP telephone consultation service

Transplants

Not covered


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