Home > VitalityHealth - Value plan

VitalityHealth - Value plan

The Value plan
With the Value plan you can reduce the price of your health insurance premiums by agreeing to pay a pre-set amount towards the cost of each treatment you may need. We call this fixed amount a co-payment. On this plan, you may choose between the Local or National hospital lists.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Covered in full. £100 co-payment per in-patient admission within selected hospital list
Surgeon / Consultant / Specialist & Anaesthetists fees
	Covered in full. £100 co-payment per in-patient admission within selected hospital list
Physicians fees & diagnostic tests
	Covered in full. £100 co-payment per in-patient admission within selected hospital list
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Covered in full. £100 co-payment per in-patient admission within selected hospital list
Psychiatric treatment
	Not covered
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Combined limit of £600 per policy year. £20 co-payment per interaction
GP referred consultations
	Combined limit of £600 per policy year. £50 co-payment per interaction
Physiotherapy consultant referred
	Combined limit of £600 per policy year. £20 co-payment per interaction
Physiotherapy GP referred
	Combined limit of £600 per policy year. £20 co-payment per interaction
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Covered in full
Scans - MRI / CT / PET
	Covered in full at chosen hospital list. £50 co-payment per interaction
Surgical Procedures
	Surgical procedures benefit not specified separately
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)
Private ambulance
	Up to £60 per journey
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Dependants are covered to any age whilst the policy is in force
Chiropractors & Osteopaths
	Only if therapy treatment (eg: osteopathy) - Combined limit of £600 per policy year. £20 co-payment per interaction
Dental treatment
	Oral surgery only to treat an acute medical condition
Hospice donation
	£100 per day donation, up to £1,000 max
Infertility investigations
	Not covered
Maternity cash benefit
	£100 per child
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Cover for ectopic pregnancy, hydatidiform mole, heavy bleeding post delivery or miscarriages only
Transplants
	Not covered
Other benefits

Key Facts - In-patient & Day Case Charges

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

Covered in full. £100 co-payment per in-patient admission within selected hospital list

Surgeon / Consultant / Specialist & Anaesthetists fees

Covered in full. £100 co-payment per in-patient admission within selected hospital list

Physicians fees & diagnostic tests

Covered in full. £100 co-payment per in-patient admission within selected hospital list

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Covered in full. £100 co-payment per in-patient admission within selected hospital list

Psychiatric treatment

Not covered

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Combined limit of £600 per policy year. £20 co-payment per interaction

GP referred consultations

Combined limit of £600 per policy year. £50 co-payment per interaction

Physiotherapy consultant referred

Combined limit of £600 per policy year. £20 co-payment per interaction

Physiotherapy GP referred

Combined limit of £600 per policy year. £20 co-payment per interaction

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Covered in full

Scans - MRI / CT / PET

Covered in full at chosen hospital list. £50 co-payment per interaction

Surgical Procedures

Surgical procedures benefit not specified separately

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)

Private ambulance

Up to £60 per journey

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Dependants are covered to any age whilst the policy is in force

Chiropractors & Osteopaths

Only if therapy treatment (eg: osteopathy) - Combined limit of £600 per policy year. £20 co-payment per interaction

Dental treatment

Oral surgery only to treat an acute medical condition

Hospice donation

£100 per day donation, up to £1,000 max

Infertility investigations

Not covered

Maternity cash benefit

£100 per child

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

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

Transplants

Not covered

Other benefits


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