Blackburn office
5 Arkwright Court
Blackburn Interchange

01254 504910

Get in touch

Private medical insurance

Group policy number – 51562028

What does the policy cover?

Your VitalityHealth coverage includes, core cover, extended cancer cover, £1,000 outpatient, full cover for outpatient diagnostics and therapies, Vitality GP, Vitality Plus. 

The excess is status linked (maximum £250), and your hospital list is Consultant Select.

How do I make a claim

Towergate Health & Protection is the specialist healthcare broker appointed by your company to administer your private medical insurance scheme with VitalityHealth.

We have listed below the contact details for your current insurer VitalityHealth, you will need these when you need to call to arrange pre-authorisation of your claims, you will always need to quote your group number when calling VitalityHealth:

Help & claims line: 0345 602 3523 – Option 1
Opening times: Monday – Friday 8.00am – 7.00pm / Saturday 9.00am – 1.00pm
Address: VitalityHealth, Claims Department, Stirling, FK9 4UE

Here is the process you need to go through if you wish to make a claim on your private medical insurance policy:

1. Contact your GP

You will require a GP referral to use your private medical insurance policy. When you visit your GP make them aware that you have a private medical insurance policy. Your GP will then provide you with a referral to a specialist, at which point you must contact your chosen insurer.

2. Gain authorisation

Before you receive a private consultation or treatment you must gain authorisation from your insurer. Contact them on the claims number detailed above and in your policy document and advise them of your referral. Your insurer will then confirm if you are covered and, if so, provide you with a pre-authorisation number which you will need show to the consultant or clinician to whom you’ve been referred. This will ensure that fees are charged direct to your insurer.

3. Securing a diagnosis

If your consultant or specialist makes a diagnosis which means you require further treatment it is important you again contact your insurer to confirm that treatment is covered. This is because different policies offer different levels of cover. For example in-patient tests and treatments are included with most policies but the more comprehensive will also include out-patient care. A quick phone call will confirm your status.

4. Getting treatment

When your insurer confirms that your treatment is covered they will again provide you with a pre-authorisation number. Present this to the hospital or clinic treating you to ensure fees are billed directly to your insurer

5. Additional treatment and follow up appointments

It’s important to keep your insurer informed if you are required to undergo follow-up treatment or appointments.

We are also available to provide you with any advice and guidance with complex claims, or any questions you may have in relation to your policy. Please do not hesitate to call us should you need our assistance on our main number 01254 504910.

Make a claim online. To make it easier if you do become ill, you can make a claim online 24 hours a day, 7 days a week.

Policy documents and important information

Please note the below are generic brochures and must be read in line with the terms and conditions of your policy and your policy certificate:

Once you have been added to the Vitality scheme you can register/log on to your memberzone on the following link: Once registered you will be able to:

  • Access all Vitality has to offer including discounts to make it easier and cheaper to get healthier. Start your Vitality journey by taking the online health review. You’ll earn 100 Vitality points and get personalised recommendations for how to improve your health.
  • Make a claim online
  • View all your plan documents any time you need to. You’ll find all the information about your cover including your benefit information and full terms and conditions.

Still got a question? Try Vitality’s FAQs page