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Core Cover

Speak to one of our team of life insurance experts to get the cover you need with some incredible rewards and benefits from the likes of Apple, Starbucks, Amazon and many more.

Why should your business consider core cover?

With Core Cover, you and your employees can gain access to a phenomenal range of benefits. Our plans are tailored for small to medium business and provide the highest standards of care possible. Along with cutting-edge treatments, GP video consultations and our 24/7 GP helpline; we can offer access to personalised support and consultants for a wide range of physical and psychological conditions.

Our Core Cover plans go the extra mile when it comes to your employee’s health. Healthy employees lead to healthy work environments, that’s why all our plans come with Vitality Plus as an additional benefit. Vitality Plus will help improve your employee’s health and wellbeing through our health and reward partners.

Why should your business consider core cover?

With Core Cover, you and your employees can gain access to a phenomenal range of benefits. Our plans are tailored for small to medium business and provide the highest standards of care possible. Along with cutting-edge treatments, GP video consultations and our 24/7 GP helpline; we can offer access to personalised support and consultants for a wide range of physical and psychological conditions.

Our Core Cover plans go the extra mile when it comes to your employee’s health. Healthy employees lead to healthy work environments, that’s why all our plans come with Vitality Plus as an additional benefit. Vitality Plus will help improve your employee’s health and wellbeing through our health and reward partners.

Core Cover benefits

Benefits listed are per insured member and per plan year. Any treatment under your plan must take place at one of our eligible hospitals. For a full list of benefits as well as terms and conditions contact one our Iam Insured advisors.

Out-patient treatment

We pay for all out-patient surgical procedures your employees may need.

In-patient or day-patient treatment
Consultant fees                                                                       So long as your employee’s consultant is recognised by us we will pay all of their in-patient fees in full. This includes the costs of surgeons’, anaesthetists’, and follow up consultations.
Hospital fees                                           We cover the costs of overnight stays, nursing and medication required while in hospital as well as intensive care and operating theatre charges.
Diagnostic tests                                                                      We cover the costs of any diagnostic tests they need whilst admitted to hospital such as blood tests, X-rays and MRI, PET and CT scans.
Cancer Cover

Cancer cover comes as standard in all our Core Cover. For an additional premium, we can also provide our Extended Cancer Cover which will offer full cover for additional therapies such as biological and hormone or bisphosphonate.

Extended Cancer Cover
Cancer Cover
Radio and Chemotherapy Full cover Full cover
Biological therapies Full cover 12-month limit
Cancer/reconstructive surgery Full cover Full cover
Hormone and Bisophonate therapies Full cover 3-month limit when prescribed alone
Stem cell therapy Full cover Full cover
Follow-up consultations Full cover Covered up to 5 years from last cancer treatment date
Wigs and restyling Up to £300 per condition No cover
Scalp cooling Full cover No cover
Prosthetics and mastectomy bras Up to £200 per condition No cover
End-of-life home nursing care Up to £1,000 a day for a maximum of 14 days No cover

Additional benefits

Employees with access to an Apple or Android phone can access our private GP service at any time or place by downloading the Vitality GP app. Using the app, they can select from a list of our GPs’ and have a private GP appointment from wherever they choose. The only requirement to access the app is iOS8/Android 5.0 or later.  Our private GP’s can provide access to GP led treatment and wellness pathways as well as private prescriptions.

Some other benefits your employees will have access to are:

  • Childbirth cash benefit
  • Support for pregnancy complications
  • Oral Surgery
  • NHS hospital cash benefit
  • Home nursing
  • Parent accommodation
  • Oral Surgery
  • Lifestyle surgery
  • Talking therapies
  • Rehabilitation

Our team of insurance experts will help you to get some of the best deals from the UK’s top companies to help save you money

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