- Declaration and duly signing a Medical History form.
- Supply of authentic and relevant information.
- Regular payment of health insurance premiums.
- Sign a ‘Schedule’ or ‘Claim Form’ for service received from any VITALITY accredited service providers.
- Each subscriber is required to attend any of the accredited VITALITY service providers (hospitals, clinic, pharmacy or diagnostic centers).
- You will be required to sign a claim form each time you visit your doctor to certify the amount charged.
- You do not have to submit the claim form to VITALITY because your doctor will do that for you.
- If you need to see a specialist, your doctor will give you a referral letter.
- Any medicine covered under your medical plan and prescribed by your doctor will be paid for.
- Complete VITALITY Membership Application Form.
- Application is approved upon review by VITALITY.
- Payment of Premium by subscriber.
During an emergency, visit any health service provider closest to you. You may be required to pay if the provider is NOT one of our many service providers around the country. Report and submit evidence to VITALITY afterwards for assessment and reimbursement.
- Membership is open to corporate bodies, institutions, organizations/ associations, partnerships and sole proprietors, clubs, churches, non-governmental organizations etc.
- Dependents of main subscribers such as their parents, spouses, children etc.
You can visit any of VITALITY’s Accredited Network of Health Service Providers in any region using the same VITALITY Identity Card.
You are allowed to upgrade your plan if you consider your current plan does not cover you adequately however this would be after a probation period.
Downgrading is also allowed under special circumstances.
A new “VITALITY Identity Card” will then be issued to reflect the new Plan.
You can contribute through your organization which is paid as premium in advance to VITALITY Health Insurance.
If full contributions are not received, membership ceases and no benefits shall be available for periods for which no contributions have been received.
Terms and conditions apply
Each eligible member will be issued with a “VITALITY Identity Card” that serves as a proof of membership.
The VITALITY Card acts as an identification when you visit your chosen healthcare service provider and this card must be displayed at the request of your service provider.
The VITALITY Identity Card bears the Name of Client; Photograph; VITALITY Policy Number; Type of Benefit Package and Validity. Attempting to process a fraudulent or non-payment of premium negates the validity of the VITALITY Identity Card.
VITALITY pays validated claims of clients to healthcare service providers for the appropriate medical expenses incurred.
VITALITY has the absolute discretion to make special grants in respect of claims, which would otherwise not be admissible.
Shortfalls occur:
When a health service provider's charge on a claim exceeds VITALITY’s award for the client.
Where the maximum benefit limit has been exceeded.
Where the member has received treatment not covered.
Where a member is required to pay a proportion of the cost.
Where this shortfall occurs on a claim for treatment, the member shall settle it with VITALITY.
To check or minimize the frequency and abuse and misuse of membership facilities and benefits, VITALITY has put in place the following measures:
Members are encouraged to restrict medical expenses wherever possible to reasonable limits, so as to build up good reserves for high cost of medical needs.
The supply of fraudulent information during submission of claims will lead to termination of membership.
When a claim is inadmissible in terms of the stated rules, VITALITY shall return the account to the member, together with an explanation as to why the claim was inadmissible.
VITALITY will use the claims information of its members to improve the overall provision of healthcare by means of appropriate managed care interventions.
A beneficiary who has or may have a right in law to recover from some other person or party any medical expenses claimed from or paid by VITALITY on his behalf, shall be bound to recover such expenses and account to VITALITY or to cede his rights of recovery to VITALITY on demand and give VITALITY on demand every assistance in the exercise of those rights.
Claims for treatment incurred shall be acceptable for adjudication and payment, if the provider giving the treatment or service currently appears on the appropriate register of all Ghana Medical Association or is a practitioner recognized by VITALITY.
A client may request VITALITY to consider a further award on a claim payment or a rejected claim by report. After consideration of such a request, the decision made by VITALITY shall be final.
VITALITY shall not disclose the nature of the illness or treatment of any client other than to its service providers when required.
VITALITY will suspend/terminate membership if premium is not received thirty (30) days after its due date; engaging in fraud or abuse of services; leaving job without notification.
Clients who wish to terminate are advised to give three months notice to VITALITY.
If you have any queries, do not hesitate to contact Vitality Health Insurance by calling, social media, writing or visiting us in person. We will be glad to meet with you, our contact address is given below:
Vitality Health Insurance
CIDAN House
A/50 Commercial Centre
Community 11, Tema
Tel: +233 (0) 303 309 710
Fax: +233 (0) 303 309 712
Hotlines: 050 609 9800//026 657 3200