Home > VitalityHealth - Essential Plus Plan

VitalityHealth - Essential Plus Plan

As with the Comprehensive Plan, the Essential Plus Plan covers most eligible hospital fees including specialist fees, plus parental accommodation if your child is a patient and under 12. The Essential Plus Plan includes higher limits for outpatient care than the Essential Plan. It also includes cover for other care such as home nursing and provides a maternity cash benefit following the birth of a baby. Please see the table below for a full list of cover.

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
	Covered in full (up to 28 days pa) with a combined Psychiatric limit of £15,000 per policy year
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Combined limit of £1,000 pa
GP referred consultations
	Combined limit of £1,000 pa
Physiotherapy consultant referred
	Combined limit of £1,000 pa
Physiotherapy GP referred
	Combined limit of £1,000 pa
Psychiatric cover
	Sub-limit of £1,000 to an overall combined in-patient and out-patient psychiatric limit of £15,000 per policy year
Radiotherapy / Chemotherapy
	Covered in full
Scans - MRI / CT / PET
	Covered in full at chosen hospital list
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)
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 are covered to any age while the policy is in force
Chiropractors & Osteopaths
	Combined limit of £1,000 pa
Dental treatment
	Oral surgery only to treat an acute medical condition
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
	Not covered
Hospice care cash benefit
	Donation of £100 per day 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
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

Covered in full (up to 28 days pa) with a combined Psychiatric limit of £15,000 per policy year

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Combined limit of £1,000 pa

GP referred consultations

Combined limit of £1,000 pa

Physiotherapy consultant referred

Combined limit of £1,000 pa

Physiotherapy GP referred

Combined limit of £1,000 pa

Psychiatric cover

Sub-limit of £1,000 to an overall combined in-patient and out-patient psychiatric limit of £15,000 per policy year

Radiotherapy / Chemotherapy

Covered in full

Scans - MRI / CT / PET

Covered in full at chosen hospital list

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)

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 are covered to any age while the policy is in force

Chiropractors & Osteopaths

Combined limit of £1,000 pa

Dental treatment

Oral surgery only to treat an acute medical condition

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

Not covered

Hospice care cash benefit

Donation of £100 per day 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

Stress counselling helpline

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

Transplants

Not covered


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