Private Medical Care
Private Medical Care is a type of insurance which provides quick access to high-quality private medical facilities and treatments, tailored to your convenience in terms of time and location.
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Additionally, it plays a crucial role in covering the costs of early diagnosis and treatment for acute conditions.
Why we recommend VitalityHealth?
Vitality takes a unique approach to healthcare by addressing the full spectrum of their members' needs. This includes promoting a healthy lifestyle, providing digital tools to navigate the healthcare system, and offering comprehensive coverage for treatment when necessary.
The other advantages of Vitality's services include:
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Fast access to private medical treatment
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Flexible cover to suit your needs
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Access to a wide range of hospitals
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Access to the latest drugs and treatment
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Choice of consultant
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Comfort and privacy at a time when you need it most
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Additionally, Vitality uses a straightforward A, B, C formula (Age, Base inflation of medical costs, and Claims) to determine the annual price adjustment. This A, B, C pricing model also offers greater control over future premiums by incentivizing healthy habits. The higher the Vitality status, the smaller the price change, regardless of whether a claim is made.
The range of benefits offered by Vitality?
Vitality offers a range of comprehensive healthcare benefits designed to meet your needs:
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Full Cover Promise: Vitality ensure full coverage for recognised consultants' and anaesthetists' fees for eligible in-patient and day-patient treatments.
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Digital Care Access: Vitality provide access to virtual GP consultations, prescriptions, and self-referral for physio and mental wellbeing treatments, all managed through their online Care Hub.
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Advanced Cancer Cover and Screenings: Vitality's plans include comprehensive cancer treatment coverage, preventative care, and personalised support for the five most common types of cancer.
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Mental Health Support: Vitality offer a complete approach to mental health, including prevention, early intervention, and comprehensive treatment, with additional cover options for more severe conditions.
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The Vitality Programme: The members benefit from tools and incentives to improve health, with evidence showing significant improvements in mortality risk and life expectancy.
The Vitality Programme?
Vitality motivates you to live a healthier life and rewards your efforts. With all Personal Healthcare plans, you gain access to the Vitality Programme. This means that, in addition to providing protection when things go wrong, Vitality incentivizes you to improve your health and rewards you for doing so.
By engaging in activities like staying active, monitoring your health, and practicing mindfulness, you can earn Vitality points. The healthier your actions, the more points you accumulate, which contribute to your Vitality status: Bronze, Silver, Gold, or Platinum.
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The three steps to Vitality's Programme include:
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Understanding your health: Once registering on the Vitality Member app and creating your Health Profile. This gives you a Vitality Age – a scientific calculation that shows the impact of your lifestyle on your health and tips on how to be healthier.
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Get healthier: Vitality will offer discounts and rewards on items that promote a healthier lifestyle. Their partnerships provide valuable benefits, making it easier for you to access a healthy lifestyle. From nutritious foods and health assessments to travel and Active Rewards, you can save money with numerous Vitality partners. Vitality provides discounts on health-related services, such as health assessments and smoking cessation sessions. Additionally, Vitality offers discounts on trips to Champneys health spas, helping you to rest and relax.
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Be rewarded: When you engage in healthy activities, Vitality rewards you with points. Your healthy behavior is recognized with short-term Active Rewards to keep you motivated. Additionally, the points you earn contribute to your Vitality status. The more points you accumulate, the higher your status becomes. Everyone will start at Bronze and can progress through Silver, Gold, and ultimately Platinum. Your Vitality status provides a goal to strive for, allowing you to see the tangible benefits of your efforts.
About VitalityHealth?
VitalityHealth, a member of the Discovery Group established in 1992, operates in 40 markets globally. Their core mission is to enhance and protect your life, making it easier and more affordable for you to stay healthy while providing top-quality care.
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Unlike other insurers, VitalityHealth understands that health risks are closely tied to lifestyle choices. By incentivizing and encouraging their members to adopt healthier habits, they enjoy improved health and wellbeing, while Vitality benefits from reduced insurance claims. These savings enable Vitality to offer comprehensive coverage with enhanced benefits, valuable behavioral incentives, and more refined pricing and underwriting. This approach creates a win-win situation for everyone – the individual, the insurer, and society at large.
How can Knightwood Mortgages help?
Knightwood Mortgages provides expert advice on critical illness cover, offering tailored solutions to ensure you have comprehensive financial protection. We understand the importance of safeguarding your mortgage and overall financial well-being, helping you select a policy that best meets your needs in the event of a serious illness. Contact us to discuss critical illness policies by emailing services@knightwoodmortgages.co.uk or calling 03301 336045.
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