Your Healthcare Plan at Currencycloud

The Plan and its Cover

The Vitality Healthcare Plan provides you with comprehensive cover for you and your Family, provided to you only upon request to join. The cost is covered by Currencycloud for both you as a member of Staff and also your Partner and/or Dependant(s).

The Scheme is on a Medical History Disregarded (MHD) basis which means that if you have any previous conditions, they will be automatically covered.

There is also a 24 hour private GP advice line where you can speak to a doctor if you’re feeling unwell, need some advice, or you’re unsure if you should visit a GP.

You will need to apply to join the Scheme and each member will be supplied with an individual membership number upon joining the Scheme.

The Plan provides you with cover for private specialist medical treatment for a wide range of acute diseases, illnesses and injuries. It eases the burden of waiting for treatment in the NHS and ensures that you have access to professional medical experts swiftly, when you need it.

Your Healthcare Plan uses the Vitality Consultant Select List where their panel of consultants are all independently selected and regularly audited to ensure they always offer the highest standards of care.

Please click here for a Summary of Benefits.

Your Medical History – Medical History Disregarded

There is no medical evidence required as the scheme disregards any historical ailments and so joining could not be easier.  Please note that some Chronic conditions (eg long term conditions such as asthma) may not be able to be covered.

This is a very valuable facet of our Healthcare Plan and all Members are able to retain this full cover, even when leaving the employment of Currencycloud at any time in the future.  This is possible provided the individual Member continues with his / her own personal Vitality Healthcare Plan within 90 days of leaving the Currencycloud Healthcare Plan.

Policy excess

There is a £250 excess per person per scheme year (1 April to 31 March).  This means, if you make one claim during the year, your excess will be £250, and if you make 2 claims, it will still only be £250 for the year.

The Vitality App

Vitality also have an App that shows you further information about your cover – please see the following links to download this:

Vitality UK on the Apple App Store

Vitality UK on the Google Play Store

Making a claim

All claims must be pre-verified with Vitality

There are two ways to do this

  1. Telephone the following number:
    • Claims Helpline 0345 279 8865
      •  Lines are open Monday to Friday 8 am to 7 pm and 9 am to 1 pm on Saturdays, excluding public holidays
      • When you call, please select Option 1 “calling about a claim” so that you go through to their dedicated Claims Team.
      • Make sure you have your membership number to hand when you call
  2.  Make a claim online 24 hours a day, 7 days a week.  It is secure, will only take a few minutes, and Vitality aim to get back to you by close of business on the next working day.

It is important that you do not proceed with any treatment without first having a claims reference as evidence of approval for the treatment.  Always clarify any claim with the Helpline to confirm eligibility and financial limits.

Your Employer, its Benefits Adviser and Vitality cannot be held responsible should you incur treatment costs beyond the amounts agreed within the limits specified in your policy.

Further details on the policy Terms and Conditions can be found in the Full Terms & Conditions.

Who can be Covered?

All employees are able to join the Scheme and cover can be provided for partners and children/dependants as well.  Adult children/dependants can be added provided they are 25 years of age or under and they can stay on the cover indefinitely.

Any children/dependants over the age of 25 cannot be added.

How to Join

To join the Vitality scheme, please email the following details for yourself and any other family members that you wish to have cover to

  • Full name
  • Date of birth
  • Home address

It is the responsibility of the Member to advise HR of the full family details mentioned above and your wish to join the Vitality Private Medical Plan.  Membership cannot be automatic – it has to operate only upon your own request to your HR Manager.

How Much will it Cost?

Currencycloud pay the premiums for the Vitality Private Medical Healthcare Plan.  However, as this is a P11D benefit, there is a small tax charge from HMRC, based upon the premium paid by your Employer on your behalf.  Your HR contact will be able to confirm the cost to you.

This tax charge is very much lower than if you paid for your own private healthcare policy and is levied via your tax code.

Other Benefits

Members of the Vitality Scheme receive further benefits.  Please see the Guide to the Vitality Programme.

For Full Terms & Conditions, click here.

Claims excess – how it works

It is important to note that the cost of this Excess is protected by the Simply Health Cash Plan that started on the same date.

This means that where there is a claims limit, which is for Out-patient treatments with a claims total of £1,000, your claims excess for the year is deducted first.  Again this is mitigated greatly by the diagnostic treatments cover provided by.

Example claim for out-patients diagnostic tests at £1,300

Claims excess £250 – reclaim from Out-Patient claim on £750 (i.e. £1,000 limit less £250 claims excess)
Claim under Cashplan for both diagnostic tests for £300 balance to £1,300 and your PMI claims excess.
The diagnostic limit on £450 per year and so the above means that you could have potentially up to a total of £1,450 to claim and it would cost you nothing at all.

Medical history disregarded (MHD) cover:

This is the most significant improvement to your Healthcare Plan at Currencycloud and has been introduced with effect from 1 April 2018.  This means that all Members and their insured Family are able to seek medical advice and treatment, regardless of whether a particular ailment has ever occurred in the past.

It should always be remembered with no private healthcare plan covers chronic conditions, or conditions with no known cures as a rule.
However, your Scheme does cover for the acute flair up of any historical condition, to bring you back to the ‘normal state’.  Such treatment should not be confused with routine regular treatments anyone might be having (e.g. prescriptions for asthma) – as that would be defined as an ongoing “chronic” condition.

Self-referral without your GP for:

  • Musculoskeletal
  • Mental Health
  • Cataract
  • Breast cancer
  • Bowel cancer

For all the above conditions, Member Services Team can be contacted directly for telephone assessment and direct referral to your choice of Practitioner, removing the need for a GP referral.

Cancer Cover with no financial limits:

Cancer Care is recognised as the most comprehensive in the UK market, from diagnosis through to cure (& beyond with a unique survivorship programme).

Hospital choice

Your Healthcare Plan uses the Partnership Hospital List (with circa 350 hospitals UK wide, including a large range of private hospitals and clinics).

You can find hospitals, facilities and medical consultants

Free medical advice line
You have access to this helpline 24x7x365, to medical advice from qualified nurses and doctors throughout every day of the year.

Member Offers – and include attractive discounts with leading brands for all new and existing members on Gym Membership, Restaurants, Cinema Tickets, Coffee Chains, Supermarkets (an ongoing discount off shopping at Sainsburys, for example), Holidays and Car Insurance to name a few.

Your Cashplan Benefits

Tax costs for scheme membership

Useful links & PDFs:

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