How much does Vitality health insurance cost 2024?
Vitality health insurance is now one of the largest medical insurance providers in the UK with more than 1.7 million policyholders (figures at June 2023). One of the most common questions is ‘how much does Vitality health insurance cost monthly?’ for individuals, families and businesses.
In this guide, our independent medical insurance experts will be looking at the general cost of a Vitality health insurance policy and how it compares to other health insurance providers. We all want to get great value for money and the best cover, especially when it comes to looking after our health.
Our team of health insurance specialists are constantly reviewing providers and products to give you the latest information. You can also find out more about Vitality health insurance by checking out our latest Vitality health review.
60-Second Summary – How much does Vitality Health Insurance cost UK per month?
Whenever you are considering a new health insurance policy or reviewing an existing policy, it’s important to know who offers the best cover and value for money. Most people will naturally look for the cheapest possible premiums, but also think about value for money and quality of service.
- Vitality health insurance is one of the most innovative medical insurance providers and offers great value for money for active customers. In this review we’ll look at how much Vitality health insurance costs per month and how to use its benefits.
- Vitality health insurance premiums are generally competitive compared against all of the other top 5 medical insurance providers.
- Customers can save a considerable amount of money against other traditional health insurance policies by engaging in the Vitality health programme to earn active rewards.
- Vitality health insurance benefits and rewards savings can allow you to take out higher levels of cover for you and your family that may otherwise be unaffordable.
- Other health insurance providers may offer lower upfront premiums and potentially better cover if you compare like for like without utilising the Vitality health insurance discounts and rewards.
- Vitality health insurance is not necessarily right for everyone and should be carefully considered before taking out any new policy or renewing an existing policy.
How are Vitality health insurance premiums calculated?
Each health insurance company will have a very specific pricing structure that is unique to them and is based on a number of factors. Vitality health insurance pricing is based on similar criteria to most of the other main private medical insurance providers, with some unique Vitality options.
Vitality health insurance costs per month will be very similar from most medical insurance brokers or if you apply direct to Vitality health insurance. The average cost of health insurance is currently £60.09 per month, but Vitality policy costs may be different based on your own situation and the level of cover you need.
Vitality health insurance monthly premium breakdown
|What impacts the monthly cost of Vitality health insurance?
|Explanations and examples
|Age of the policyholder
|Vitality health insurance monthly premiums work out slightly differently to other main health insurance providers and they’re quite unique in how they calculate the cost of your cover based on your age.
As you’ll see from the examples provided below, premiums are fairly similar for individuals regardless of their age and also tend to be cheaper than other providers as you get older.
|Postcode and geographical location
|Your home address is also one of the most important factors when it comes to calculating your Vitality health insurance premiums, because of the simple fact that private healthcare costs can vary depending on where you live (e.g. London, Manchester and the South).
Healthcare costs for private treatment can increase by as much as 30% over lower cost areas in the country.
|How many people will your policy cover?
|Your policy coverage will also have a direct impact on your Vitality health insurance premiums, which means that the number of people being covered will also affect the cost (e.g. individual, couples or family health insurance). Discounts are available for couples and families with Vitality health insurance as well.
|You can also reduce or increase your Vitality health insurance premiums by changing your Excess levels.
This works in a similar way to car insurance which basically means that higher excesses will reduce your premiums, but can also mean that claims can be expensive. Vitality health insurance offers excess options of up to £1,000, so not as high as some but fairly typical of the top insurers.
|Hospitals and Consultants
|One of the easiest ways to save money on your Vitality health insurance premiums is to be flexible with your choice of private hospitals and consultants or specialists.
If you don’t have a preference on where you receive treatment or who provides your consultations then you can choose the Vitality Consultant Select option which allows the insurer to select a preferred partner who may be cheaper for them and reduces your premiums.
Vitality: Your hospital list – CLICK HERE
|No claims discounts
|Vitality health insurance premiums are also calculated based on your no claims discount, which is front loaded from the point of taking a new medical insurance policy with Vitality. You will automatically receive full no claims discounts when you take out a new policy which then reduces after any claim is paid.
|Cover options and benefits
|Another major factor for calculating Vitality health insurance premiums is the level of cover that you take and which cover options you need.
Any additional Vitality health insurance benefits that you add to your policy will invariably impact the cost of your medical insurance premiums with Vitality. Some of the standard additional options include therapies cover, dental cover, outpatient cover, and in patient cover.
|Smoker or non-smoker
|Most health insurance policy’s also include an element of cost for people who smoke. Vitality health insurance can cost more each month for smokers, which also includes vaping, rolling tobacco, cigarettes, and cigars within the last 12 months prior to taking out or renewing a health insurance policy with Vitality.
|Pre-existing medical conditions and lifestyle
|Vitality health insurance has the same underwriting options as most of the top medical insurance providers, which includes full medical underwriting (FMU) and moratorium underwriting.
If you have a pre-existing medical condition which will often be excluded from most Vitality health insurance policies, then it may be worth opting for full medical underwriting to try to reduce the cost of your policy.
|Optional benefits and add-ons
|Optional benefits and add-ons to your Vitality health insurance policy can also increase your premiums so you should choose your cover options carefully.
Vitality health insurance optional extras include: optical, hearing and dental cover, worldwide travel insurance, mental health cover, therapies cover and outpatient cover.
Note: The cost of Vitality health insurance cover is based on all of the elements that we have mentioned above so you should choose your cover options carefully and make sure that your premiums are affordable.
About our guide to the cost of Vitality health insurance
In this guide our team of health insurance experts will explain how your Vitality health insurance premiums are calculated, and provide you with up-to-date examples of costs. Any premiums that are quoted within this guide are to be used as illustrations only and may not be specific to you and your circumstances.
We generate all of our quotes for these guides using a live system that provides the very latest and most up-to-date pricing examples. Our team of health insurance specialists are constantly reviewing the latest pricing to provide you with the most up-to-date cost information.
Note: We do not sell your data to other health insurance companies or brokers and we are an independent health insurance specialist, so we do not work on behalf of Vitality or any other major medical insurance provider.
Is Vitality health insurance worth it?
Vitality health insurance is one of the most unique medical insurance products on the market in the UK today. That being said, this is not necessarily the best and cheapest product for everyone and all circumstances.
People who are most suited to a Vitality health insurance policy will include those who are active (e.g. Take part in sports or regular exercise) or those who wish to improve their health. If you do not take part in the healthy Vitality rewards scheme then it is likely that the cost of your policy may be higher than other similar health insurance products.
We can say from many years of personal experience of having used Vitality health rewards that this product can be extremely cost effective if used properly. One of the most important things to remember about Vitality health insurance is that premiums can increase if you do not engage in the Vitality active points scheme.
By earning Vitality active points (e.g. Steps, regular exercise, gym visits etc.) you will automatically receive discounts and rewards that will help to reduce or contribute towards the cost of your monthly Vitality health insurance premiums.
Vitality health insurance is unique because it gives you discounts and rewards that can help you to easily offset the cost of the premiums. Some of the rewards and benefits of Vitality health insurance are highlighted in the video below from the Vitality YouTube channel.
These rewards either enable you to take out higher levels of cover than you might think is otherwise unaffordable, or reduce the cost of your private medical insurance. In 2023, our Vitality health insurance savings were more than £1,200 from the rewards partners and active rewards. This was made up of:
- Nuffield Health: £91.25 savings (5 months of gym membership discounts)
- Runners Need: £80.00 (pair of running trainers)
- Vitality Amex cashback: £450
- Caffé Nero: £155.57
- Cinema tickets (Vue and Odeon) : £184.00 (23 cinema codes)
- Expedia: £381.13 (4 x Hotel discounts)
This is based on actual savings for a health insurance policy (Platinum status) for a family of 4 (2 adults and 2 children) for a standard year in 2023.
Vitality Discounts & Rewards Overview – CLICK HERE
How can I compare the cost of Vitality health insurance?
It is always worth checking or shopping around to compare the cost of Vitality health insurance and other medical insurance providers. Vitality is currently one of the Top 4 health insurance providers in the UK, which includes AXA, Aviva, and Bupa.
You can often compare all of the top health insurance providers quickly and easily by getting a quote or advice from a medical insurance specialist. Our team of Vitality health insurance experts will help you to compare costs and cover options to give you the very best and most cost-effective cover to protect you and your family.
"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."
by Elizabeth Turner-Long - 9th August 2023
Is Vitality health insurance any good?
Vitality health insurance is currently considered to be one of the top rated private medical insurance policies in the UK. The policy itself offers one of the most comprehensive cancer covers as well as additional benefits, such as Menopause Support and Private Physiotherapy.
The critical point for Vitality health insurance compared to other medical insurance providers is that the product and service is similar, or better, and the healthy rewards are unique to Vitality.
If you’re concerned about your health and you are active or want to be more active, then a Vitality health insurance plan can be extremely valuable. You can find more information about the top features of Vitality health insurance plans in their private medical insurance information document.
Vitality Private Medical Insurance Information Document – CLICK HERE
Cost of Vitality health insurance Pros and Cons
It’s important to understand the positives and negatives when comparing any health insurance policy. Here are some of the main Pros and Cons to the Vitality health insurance products:
|Healthy rewards can offer a considerable saving that can be used to offset your monthly Vitality health insurance premiums.
|Policyholders that do not engage in regular exercise or activity (e.g. steps) will not achieve the higher status to increase discounts and rewards.
|Discounts and savings can also help to contribute towards monthly premiums which means that higher levels of cover can be more affordable.
|Some discount partners and rewards are not useful for all consumers and so might not be useful for everyone. You should check rewards partners carefully to make sure that they are useful for you.
|Health benefits for people that engage in the active rewards scheme and those who use Vitality health insurance as an incentive to improve their health.
|People who aren’t active or those who take part in activities that will not earn active reward points (e.g. weight training, yoga, Pilates etc.) would not find this type of cover useful or beneficial.
|Cancer Care with a standard Vitality health insurance policy is one of the best and most comprehensive standard cancer options for the price.
|Other cancer options can be increased and reduced to suit your budget and your needs for your own policy.
|No other health insurance policy offers the same levels of cover and includes a long list of high street discounts and rewards that are linked to your health.
|Other health insurance products can be more flexible and can offer more suitable cover options that can be tailored to fit your needs.
Note: Vitality health insurance can be confusing and complicated because of the additional healthy rewards which is not necessarily for everyone.
What is the average cost of Vitality health insurance?
Our team of health insurance experts carry out regular reviews of the UK private medical insurance providers to compare premiums and the quality of cover. Below are several tables with examples of recent Vitality health insurance premiums for individuals, couples and families.
Based on our extensive market research the average cost of Vitality health insurance is between £39.31 and £69.21 depending on the cover type and your needs (e.g. individual, couples or family health insurance). We also know from our market research that Vitality health insurance costs less for people over the age of 40 compared to several of the other top medical insurance providers.
The examples of Vitality health insurance monthly premiums set out in the tables below are for illustration purposes only, and prices can vary depending on cover options and your own circumstances.
Quote criteria: Person/people of an age that are non-smokers and quotes are for ‘moratorium’ underwriting (no medical underwriting) with a postcode in the North East of England. All of the figures quoted below were produced by our team of health insurance experts in January 2024 for a Vitality health insurance policy with ‘Countrywide’ hospital list, £500 Excess, Full Cancer Cover, and an Outpatient Limit of £500.
How much is individual Vitality health insurance per month?
Below are some examples to show the cost of Vitality health insurance for individuals across a number of different age bands.
|Age of policyholder
|Vitality health insurance premiums (monthly)
*cost of Vitality health insurance examples from January 2024 provided are actual figures provided by our own pricing software. Premiums can vary dramatically depending on your own individual circumstances and the cover options that are selected.
The examples shown in the table above help to illustrate how unique the Vitality health insurance pricing is, and especially how cheap premiums are for older individuals. We compared the cost of Vitality health insurance for individuals with several of the other main private medical insurance providers and they were very competitive.
How much is couples Vitality health insurance per month?
The table below shows a number of live examples to help to illustrate the cost of Vitality health insurance for couples of different ages.
|Age of policyholders
|Vitality health insurance premiums (monthly)
*the cost of Vitality health insurance examples that are shown in the table above were collected in January 2024 and are updated regularly to show up to date results. Premiums can be significantly different to these examples shown due to your cover options and benefits selected.
When we carried out our latest market research for the cost of Vitality health insurance premiums for couples, our finding showed that Vitality were one of the cheapest medical insurance providers, and especially for people who were over 40 years of age. Our research also shows that the cost of Vitality health insurance for couples was as much as 30% lower than some of its key competitors.
How much does Vitality health insurance for families cost per month?
In the table below there are several examples across a number of age groups to show the cost of Vitality health insurance for a family of four (including two adults and two children). For our examples we have used a typical family with two children of the ages of five and eight to illustrate these potential monthly premiums.
|Age of policyholder
|Vitality health insurance premiums (monthly)
* the cost of Vitality health insurance for a family of four as shown in the table above where collected in January 2024 and are updated regularly to reflect up-to-date results. These examples shown above are purely illustrations based on the basic criteria and premiums can vary significantly depending on your circumstances and which cover options are selected.
Our recent research for the illustrations shown above of the cost of Vitality health insurance for a family of four give examples across several relevant age brackets for consumers. When we carried out this research we found that Vitality health insurance premiums for families were competitive against several of the other top five medical insurance providers, but not quite as attractive as for individuals and couples.
How much does ‘Vitality Consultant Select’ option price?
Vitality health insurance ‘Consultant Select’ option as its own version of a guided hospital list, which generally work out cheaper than choosing your own private medical facility. Vitality was one of the first medical insurance providers to offer a guided hospital list to help reduce the cost of health insurance.
Our research showed that the ‘Consultant Select’ option from Vitality health insurance was around 20% cheaper than the higher level of cover. In simple terms, consultant select allows Vitality to be able to select its own private medical facility which it has negotiated its own rates and deals for treatments.
Almost all of the other top health insurance providers offer I similar or the same facility as Vitality consultant select, usually known by a different name. When comparing private medical insurance quotes, make sure that your advisor of medical insurance specialists have selected the best and cheapest option for you.
How can I save money on the cost of Vitality health insurance per month?
Vitality health insurance offers the same or similar options to most of its key competitors in the private medical insurance space. You will have a number of options to choose from as well as several alternatives four different levels of cover to help you to save money on your monthly premiums.
Here are some top tips to save money on Vitality health insurance:
As we have shown in the examples in the tables above, Vitality health insurance premiums tend to be cheaper for people who are over the age of 40 and for those who are active.
Vitality discounts and rewards
You should make sure that the Vitality reward partners are relevant to you and that you would make use of the discounts available. Vitality health rewards can save policy holders thousands of pounds over the term of the health insurance policy.
If you are classed as a smoker (e.g. You have used any nicotine products in the past 12 months) then you will usually find that your health insurance premiums will automatically be higher due to the health risks of smoking. You can reduce the cost of health insurance by giving up smoking and no longer being classed as a smoker.
Anyone applying for health insurance with a pre-existing medical condition or a chronic medical condition should consider looking at a full medical underwriting price. Premiums for full medical underwriting can be cheaper for people with pre-existing medical conditions than moratorium underwriting.
It’s important to make sure that you shop around and compare several quotes from several of the main health insurance providers to find out which is cheapest for your individual needs and circumstances. It can be difficult to compare the cost of Vitality health insurance to other medical insurance providers because of how different these policies are and the benefits.
Get health insurance advice
You should ideally speak to a health insurance specialist to find the best options for cover and to identify which medical insurance provider is most suitable for your circumstances. Vitality health insurance can be confusing because of the number of options that are available and understanding the healthy rewards programme.
Our team of qualified health insurance specialists will help you to compare the cost of Vitality health insurance premiums to all of the other top medical insurance providers. We’re dedicated to making sure that our customers get the very best cover and at the right price.
We understand that the most important I think for you is that you get the best cover to protect you and your family at the lowest price possible.
For more help or advice you can speak to one of our friendly team of health insurance specialists by calling 0800 009 6559 or CLICK HERE.