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Vitality Health Insurance Review 2024

In our latest review of Vitality health insurance, our independent experts explain how Vitality health insurance works and all the best benefits that are available for Vitality customers in 2024. This comprehensive guide covers how Vitality’s policies work and also provides more details about Vitality’s popular rewards scheme.

Vitality are highly rated by their customers (4.2 out of 5.0 Stars on Trustpilot) and offer the most innovative rewards scheme that we have ever seen from a UK insurance company. Vitality offers their customers a wide range of great benefits including up to 50% gym discounts, massively discounted Apple watches and access to extra support services.

Health insurance is an easy way to protect your health and make sure you have access to the best medical care if you ever become ill or injured. Vitality is one of the biggest insurance brands in the World, protecting millions of customers globally. Based on their most recent figures, Vitality has more than 1.7 million UK customers across their health and life insurance policies.

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60-Second Summary – Vitality health insurance review 2024

Read our latest independent expert Vitality health insurance review 2024 and find out exactly what medical insurance policies you can get with Vitality. The process of buying or renewing health insurance can be extremely confusing with so many different options and products that are available to consumers in the UK, so our guides help to explain how it all works in plain language.

  • Vitality health rewards is an innovative solution for life insurance and health insurance that offers policyholders access to a wide range of rewards partners and discounts to help offset the cost of cover.
  • Rewards and discounts with Vitality health insurance can save £1,000s every year from retail partners such as Apple, Expedia, American Express, Amazon Prime, Pure Gym, Vue Cinemas, Odeon, Café Nero, and many more.
  • Cover offered by Vitality health insurance is rated one of the leading medical insurance policies on the market and Defaqto Five Star rating.
  • Vitality healthy rewards forms a significant part of the value of the Vitality proposition, and it is important to understand how it works as well as make sure that it is appropriate for you and your family.

Who are Vitality?

Vitality is currently one of the Top 3 health and life insurance companies in the UK, with millions of customers around the world. It’s not always easy to tell what Vitality products or policies sells when you see the brand and you might be mistaken by thinking that this is a sports business. With such a strong emphasis on health and wellbeing, it’s easy to mistake them for a sports brand rather than an insurance company.

Vitality sells a wide range of insurance policies to support their customers including life insurance, critical illness cover, car insurance and health insurance.

They also have one of the most comprehensive rewards schemes that we have ever come across.  Vitality rewards their customers for staying fit and healthy and making improvements to their lifestyle. There are a wide range of great benefits on offer such as FREE cinema tickets, up to 50% of gym memberships and more.

Vitality health insurance (or Vitality private medical insurance) is one of Vitality’s most popular policies. This is due to the many benefits on offer and often Vitality will have promotions such as cashback offers for new members.

Vitality health insurance helps you to cover the cost of private medical treatments, so you always have access to the best available medical care. Vitality health insurance can cost as little as £1.25 per day* to provide you with comprehensive cover.

Move forward with Vitality | Vitality UK

Vitality claims that their health insurance:

  • Helps you avoid lengthy GP and hospital waiting lists
  • Helps you get diagnosed and treated quickly
  • Gives you access to specialist drugs and treatment

*according to the Vitality website (policy costs can vary depending on each customer)

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*Over 1,100 independent customer reviews

Vitality is an industry leading insurance company that has won countless awards over the years. Their latest published list of awards is from 2021 and includes awards like:

2021

Financial Times Financial Adviser Service Awards – Protection & Pension Provider 2021

UK Customer Experience Awards – Gold Award Winner 2021

MoneyFacts Awards – Best Private Medical Insurance Provider 2013 – 2021

Cover Excellence Awards – Outstanding Individual Health Insurance

Cover Recognising Healthcare Innovation Awards – Outstanding Collaboration of the Year (VitalityHealth & Peppy Menopause Support)

Why choose Vitality health insurance?

Vitality has a lot to offer as an insurance company. If you are looking for a top quality health insurance plan with extra perks, Vitality might be a good choice for you.

Comprehensive cancer care, private GP consultations and cash benefit pay outs for NHS hospital stays are included as standard. Key features of Vitality health insurance include:

  • Cash pay out of £250 for every night as an in-patient in an NHS hospital (up to £2,000 maximum)
  • Cash pay out of £125 per day for day patient treatment in an NHS hospital (up to £500 maximum)
  • Extensive customer rewards for improving your health and lifestyle e.g. discounted gym memberships, FREE Amazon Prime, cinema tickets

While some insurers will offer several different health insurance policies, Vitality private health insurance is one policy with the option of adding additional benefits. This allows you to custom build your cover, by choosing the elements that work best for you and your health and lifestyle. If you are concerned about budget then you can stick with core cover, and you will still have access to top quality health care from a range of Vitality approved specialists.

If you want to increase the level of cover, you can add on optional benefits like:

  • Optical, dental and hearing cover
  • Worldwide travel cover
  • Mental health cover
  • Alternative therapies cover
  • Out-patient cover
How Vitality Works | Vitality UK

What does Vitality health insurance cover?

Type of CoverVitality Private Medical Insurance
Available policiesVitality Health Private Medical Insurance
What is covered?You will be covered for various things as standard such as:  

Full cover for hospital/consultant fees (in-patient and day patient)
Diagnostic tests and scans
Cash benefit for NHS hospital stays (up to £2000 maximum)
Full cover for surgical procedures (out-patients)
Advanced cancer cover
Up to £100 per year toward the cost of private prescription
Private ambulance costs
Specific weight loss surgeries (excess payment may apply)
Specified pregnancy complications
Cash benefit paid out for childbirth
Rehabilitation treatment if needed
Home nursing (after hospital admission)
Cover for the cost of accommodation for parents (if child is insured on the policy)  

You can add on a wide range of additional benefits for a higher level of cover.  
What is not covered?Vitality health insurance policies will not cover you for:  

Routine treatments and monitoring of long-term medical conditions
Emergency medical treatment
Cosmetic treatment/surgery
Most preventative treatments
Childbirth
Birth control/infertility treatments
Dental treatments
Treatment due to self harm, drug or alcohol abuse
Policy termYour cover will last for 12 months from the start of your policy. You can renew your policy if you want your cover to continue after this point.
Where am I covered?You are covered for any medical treatment within the UK (includes Channel Islands and Isle of Man)
Increasing cover option included?YES – you can add on additional benefits such as mental health cover to increase the level of cover in your plan.  
(This will generally cost a little more)
Decreasing cover option included?There is no decreasing cover option available from Vitality.  
You could choose to not add on extra benefits you previously had when you next renew your policy.  
You can also choose to have access to a  more limited hospital list to reduce the cost of your policy or pay a higher excess.
Premium options (when do I pay?)You have a few options for payments – you can pay for your policy monthly, quarterly, or yearly (by Direct Debit)

Requirements for Vitality health insurance

Most people will be able to buy a health insurance policy through Vitality. There are few rules you should be aware of though before you apply.

To be eligible for Vitality health insurance you must:

  • Live in the UK for at least 180 days during the term of your policy year
  • Have been a UK resident (registered with a UK GP) for at least 6 months before you apply
  • Provide all relevant information requested by Vitality
  • Inform Vitality if you move, change your name or are no longer a UK resident
  • Tell Vitality if the condition/injury you are claiming for was caused by another person
ProCon
Comprehensive health cover and access to top quality specialistsCertain health conditions may not be covered (or won’t be covered immediately)
Exclusive discounts at popular brands and services (based on Vitality rewards)How the Vitality programme works for rewards and discounts can be complicated to understand for someone not familiar with Vitality
Vitality offer multi product discounts if you need several types of insurance e.g life and health insuranceTreatment outside of the UK isn’t covered (though you can add this on as an additional benefit)

As well as personal cover, Vitality also sells business health insurance (also known as Vitality company health insurance or Vitality corporate health insurance). These policies are designed to protect multiple employees for business owners to offer as an employee benefit.

This gives employees access to the best healthcare plus a range of exclusive discounts and benefits. This can be used as an attractive workplace perk to help with employee retention and recruiting new staff members. Vitality claims that having Vitality healthcare in place can help to reduce employee sick leave by up to 28%.

You can buy Vitality small business health insurance (1-249 employees) and Vitality corporate healthcare (100+ employees).

Vitality also sells Vitality business protection policies to help further protect businesses of any size. This includes:

Based on our latest independent research, Vitality health insurance will cost around £39.31 – £69.21 per month, depending on the type of health insurance (e.g. individual, couples, family cover). The actual cost of Vitality health insurance will vary from person to person, based on things like:

  • Your age
  • How much cover you want
  • If you add any additional benefits
  • Amount of excess (can choose £0 – £1000)
  • Choice of hospital list

How do Vitality rewards work?

Vitality customers can benefit from some brilliant rewards that are earnt by being active and improving your lifestyle.

This is one of the main reasons you might choose Vitality over other insurance companies. These rewards are with various great high street brands that Vitality partners with, allowing you to claim discounts and relax knowing your health and wellbeing is protected.

Most of the rewards you get are based on your Vitality ‘status’ and you automatically start at Bronze Status (0 points). As you track your activity and record in your Vitality app, you earn points to move up in status. The highest status is Vitality Platinum Status (2,400 points earned over the year).

To earn your Vitality points you:

  1. Record your daily activity on a Vitality approved smart watch or other wearable device (Vitality will normally be able to provide discounts on these devices)
  2. Pair your device to your Vitality member app
  3. Claim your points and earn your rewards

Certain Vitality rewards will be available to you no matter your Vitality status. This includes gym discounts (up to 50% off in Pure Gym, Virgin Active and Nuffield Health), 50% off running shoes at Runners Need, up to 40% off Garmin smart watches and more.

Discounts & Rewards Partners

One of Vitality’s biggest and best-known rewards is their Apple watch offer. With this popular offer, you get a significant amount of discount off an Apple watch with qualifying health or life insurance policies.

You will pay between £0 to £9.50 per month for an Apple watch (or other approved smart watch) depending on how physically active you are. You need to be earning at least 40 activity points per month to start seeing discounts on your Apple watch payments.

What Apple watch can I get?You can get the latest model (currently Apple watch series 8).
How does the Apple watch promotion work?This is classed as 36 month loan (0% APR provided by Etika).  
Your credit score will need to be approved to qualify for the promotion.  
You are then able to buy the latest Apple watch for between £7-£169 (classed as a deposit).  
The more activity you engage in each month will reduce how much you pay per month. Vitality members earning 160 points per month pay £0.
Will my policy be eligible for an Apple watch discount?You must have a Vitality health policy with a monthly payment of £38 or more to qualify for the Apple watch discount.
Do I have to get an Apple watch?NO – You don’t have to use the discount and Vitality will also give you the option of other smart watch brands if Apple doesn’t appeal to you.

More information – Vitality – Get Apple Watch with health or life insurance

Five Stars

Rated "Excellent" 5 out of 5

"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

YES – it is possible to buy Vitality health insurance if you have pre-existing medical conditions, but the conditions you have may not be fully covered by your policy.

Whether your conditions are covered will depend on what conditions you have and if you have needed treatment for them recently. Vitality may be able to cover medical conditions that haven’t required treatment or monitoring within the last 5 years.

Vitality health insurance contact numbers

Here are the main contact details for Vitality Health if you need to contact them about a new or existing policy.

Vitality health insurance number (for new policies):

Telephone – 0808 291 6152

Opening hours – 9.00am to 8.00pm Monday to Thursday / 9.00am to 6.00pm Friday / 10.00am to 2.00pm Saturday (Bank Holidays excluded)

Vitality health insurance contact number (for questions about Vitality rewards and general information):

Telephone – 0333 242 8333

Opening hours – 8.00am to 7.00pm Monday to Friday / 9.00am to 1.00pm Saturday (Bank Holidays excluded)

How to claim on Vitality health insurance

If you need to claim on your Vitality health insurance policy, here is everything you need to know. There are a few quick and simple steps to follow in the event you make a claim.

  1. Contact Vitality online using the website (Vitality member zone), the Vitality member app or the Vitality GP app to request healthcare.
  2. In most cases, requests in the Vitality Care Hub are approved immediately and a call will be booked in with you if more information is needed
  3. If your request is approved, you will be able to manage your treatments plus any bills or payments in the Vitality Care Hub

You aren’t tied into Vitality health insurance indefinitely. You need to renew your policy each year and you might decide you want to cancel your policy before this point.

Cancelling Vitality health insurance should be an easy and simple process. You’re able to cancel your cover at any point by contacting Vitality directly. Vitality allows you to cancel your policy via phone call, email or letter.

Vitality has a 14 day ‘cooling off’ period, which means you will be refunded any money you have paid if you cancel within the first 14 days of your policy.

How to complain about Vitality health insurance

If you aren’t happy with your policy or the service you received from Vitality, you can contact them to submit a complaint. They work hard to resolve complaints quickly where they can.

If you’re not satisfied with how Vitality have handled the complaint, the complaints team will refer your complaint to their Relationship Management Team to try and make things right.

Vitality health insurance complaints contact details

Vitality health insurance phone number (complaints)

Telephone – 0333 242 8333

Opening hours – 8.00am – 7.00pm Monday to Friday / 9.00am – 1.00pm Saturdays (excludes Bank Holidays)

Email customer_support@vitality.co.uk (complaints about renewing or cancelling your plan)

Email CustomerRelations@vitality.co.uk (complaints about claims, invoices, Vitality partners or rewards)

Post:

VitalityHealth,
PO Box 617,
Darlington,
DL1 9FF

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Making a complaint to the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.

Telephone – 0800 023 4567 (or 0300 123 9123)

Telephone (outside the UK) – 0207 964 0500

Emailcomplaint.info@financial-ombudsman.org.uk

Up to 8 sessions of CBT or counselling per year – Your plan gives you access to 8 fully paid for sessions of cognitive behavioural therapy or counselling per year to support your mental health.

Advanced cancer care – Vitality offers their customers comprehensive cancer care for treatment and support following a cancer diagnosis

24/7 virtual GP – Vitality members can access 24/7 GP consultations through the Vitality medical helpline

Cash pay outs of up to £2000 for NHS hospital stays – NHS Hospital cash benefit pays out £250 per night (up to £2000 maximum) for overnight stays in an NHS hospital

Cash pay out of up to £500 for NHS day patients – If you need day patient treatment in an NHS hospital, Vitality will pay out £125 per day (up to £500 total)

Up to £100 private prescriptions pay out – Every year, Vitality will pay out up to £100 for private prescriptions and minor diagnostic testing

Optional benefits of Vitality health insurance

Boosted mental health cover – Enhanced cover for in-patient, day patient or out-patient mental health care

Vitality therapies cover – This benefit gives you full cover for various therapies with a specialist (e.g. chiropractor, podiatrist) and 2 consultations with a dietician to help improve your health and lifestyle

Vitality health insurance reviews UK

Most people will want to know what other customers think of a product or service like insurance before they decide to buy. Vitality is similar to most insurance companies, in that they gather their customer reviews on independent review site TrustPilot.

Trustpilot logo

Trustpilot review score (Vitality)

TrustPilot score (Vitality) – 4.2 out of 5.0 stars (as of 20/03/2024)

Currently, Vitality scores 4.2 out of 5.0 stars based on all of their products and services on offer.

Vitality sells several other types of insurance that can be useful for anyone looking to protect their home, family, or income. Popular Vitality policies include:

Vitality redesigned many of their policies at the start of 2023 to offer even better value for money to their customers.

Frequently asked questions about Vitality health insurance

Is Vitality health insurance good?

Vitality Health customers do generally recommend Vitality as an insurance company, with a TrustPilot score of 4.2 out of 5.0 stars. Vitality also offer an extensive range of benefits and discounts, meaning they are often chosen ahead of other insurance companies.


Is Vitality health insurance worth it?

This is ultimately up to each person but there are some great advantages of Vitality health insurance.  
Vitality policies offer some good value for money as you get the health cover you need as well as additional rewards for a healthy lifestyle.  
If you want high quality cover, plus discount gym memberships and other rewards then Vitality may be the choice for you.


How much is Vitality health insurance per month?

This will vary depending on factors like your age and if you want to add extra benefits to your cover such as mental health cover. Vitality allows you to add the benefits that best suit you, so you can tailor the level of cover to your own budget.


Can you buy Vitality health and life insurance?

YES – You can buy both health insurance and life cover from Vitality. In fact, as of 2023 Vitality offers a multi-product discount for members who choose to have multiple Vitality policies.

If you want to buy health insurance from Vitality, you have a few options available. You can apply directly through the Vitality website, or you can apply with the help and support of an independent health insurance expert.

It can be helpful to speak to a specialist, especially if you’re not sure which insurance policy or company is the best choice for you. A health insurance expert can explain everything for you in an easy to understand way and can quickly search for the best quotes across the market.

Our team will always let you know which companies could be a good choice for you and let you decide what feels like the best fit for your health and lifestyle. You can call our experts for free, friendly advice on 0800 009 6559 or CLICK HERE to fill in our online form.

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What is the average cost of health insurance UK?

One of the top questions that people ask about health insurance is, ‘how much does it cost on average per month?’. According to recent research taken in 2023, the average cost of a health insurance is £86 per month for a standard personal protection policy. Health insurance policies can vary dramatically based on your age and the type of cover that you need, as well as which insurance provider you choose.

Most core health insurance policies will provide a similar level of protection and coverage for private medical treatments. You can tailor your health insurance policy to suit your needs and your budget by changing the benefits and levels of cover that you receive.

Is health insurance worth it?

Health insurance is the same as most other personal protection policies that you can buy, it is down to your own personal preference and attitude to risk. The other major issue is whether you can afford to pay for health insurance every month because it can be expensive.

If you ever need to claim on your health insurance policy then the benefits can be life changing and even lifesaving. The medical treatments and care that is provided by the NHS in the UK is among the best in the world, especially for chronic illness. Unfortunately, it is a well-known fact that the NHS is struggling to meet demand and that the levels of private medical treatment are generally far superior to public health treatments.

Example: If you needed knee surgery then you would have to wait for months or even years on the NHS, whereas private health insurance will give you access to better treatment, leading specialists, and within weeks usually. Rehabilitation and therapies cover that are also provided by most health insurance policies can be invaluable, especially if you are self-employed for example.

Is private health insurance better than the NHS?

Currently, the biggest issue with the NHS is the waiting times for any consultations and access to treatments, because of how stretched its resources are. The NHS provides some of the best care in the world for chronic illnesses and diseases, such as diabetes, MS, epilepsy, and asthma.

Health insurance is designed to complement and support the treatment that you can receive on the National Health Service, as well as giving you access to specialists for other medical issues such as musculoskeletal issues and cancer treatment, which are also the top reasons for claims on health insurance cover.

The main issues with NHS treatment currently and reasons for people taking out health insurance:

  • Long waiting lists for consultations, results and treatment
  • Overcrowded hospitals
  • Lack of beds
  • Shortages of NHS nurses and doctors
  • Some treatments not available (especially cancer treatments)
  • Specialists only available on private health insurance
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What is the best health insurance UK?

There are lots of different policy options when considering health insurance as well as your choice of several main insurance providers. The other consideration is whether you don’t take out health insurance and opt for receiving treatment on the NHS or paying for treatment yourself as and when you need it.

We’re constantly reviewing the top health insurance companies in the UK to find out which provide the best service, value, products and treatments. Based on our most recent reviews we suggest the following as the best health insurance UK 2023:

  1. Aviva Healthcare Solutions (Trustpilot score: 4.1 out of 5.0)
  2. BUPA Health Insurance (Trustpilot score: 4.0 out of 5.0)
  3. Vitality Personal Healthcare (Trustpilot score: 3.9 out of 5.0)
  4. Exeter Health+ (Trustpilot score: 4.4 out of 5.0)
  5. AXA PPP (Trustpilot score: 4.1 out of 5.0)
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Best Private Health Insurance 2023 - iam|INSURED

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We are dedicated to providing the best outcomes that we can and access to the best insurance solutions in the way that our customers want or need. We understand that everyone is totally unique in how they want things done and their own individual circumstances, which is where our totally unique approach to financial protection is driven from.

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With nearly three decades of expertise and established with a commitment to excellence in everything that we do. We have been a trusted partner for thousands of families, individuals and businesses, all with one common goal of looking for the best protection solutions.

Our Mission: To provide easy access to fair pricing, affordable protection and the very best financial security to families and individuals. We are dedicated to offering comprehensive insurance solutions that safeguard the well-being of our policyholders. Guided by integrity, transparency, and a commitment to excellence, we strive to empower consumers and families to face the future with confidence. Our mission is not just about policies; it's about protecting dreams, ensuring legacies, and being a trusted partner on life's journey.

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