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Health Insurance

(24,675 reviews)

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VitalityHealth Reviews

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Award-winning health insurance with fast referrals into a consultant and rewards for living a healthy lifestyle.




Helpful Friendly Staff

When I was contacted by a Nurse at Vitality Life to discuss my health conditions I was feeling pretty embarrassed. The nurse put me at ease, explained to me why she was asking the questions and passed no judgement on my answers. Just what I needed to get through the call! Thank you VitalityHealth!

It's good to know that their customer service team were helpful and friendly. Thanks for leaving a review, Caroline.


Tracy Burns



A Health Insurer Who Encourages You To Stay Healthy

The insurer isn’t all about taking money, they are also giving back value. Aside from covering all the usual health risks, offering GP appointments and choice of hospitals, they also have a very extensive rewards and partners package. These rewards are not just random perks, they are geared to your health and wellbeing, an all-round package that balances your physical and mental wellbeing. There are active Rewards that reward you for being active (using a tracker e.g Apple Watch, Gary in, Fitbit etc) and there are also Rewards that encourage you to be healthy such as cashback on healthy food bought during a grocery shop, and access to dietary, nutrition and exercise resources. I used their scheme to buy an Apple Watch for £100, and if I do enough exercise for the next two years it will be free (along with free Amazon prime) - this has been an amazing rewards and incentives program, and I also have peace of mind that my health is insured should I ever need it.

This is wonderful to hear, Tracey. Pleased to hear that your health insurance comes with great Rewards that you can regularly benefit from.






Fine as long as you don't mind the app not working some times. I'd recommend getting your company to pay for it.
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Vitalityhealth Logo

VitalityHealth’s core purpose is to make people healthier and to enhance and protect their lives. Their main focus is on encouraging healthier living and rewarding its customers for living a more healthy lifestyle.


Quotes our team received

Price Band

£ £ £ £ £

Quotes our team received

Health Pricing Image One


Basic policy: no outpatient cover, NHS cancer cover and essential hospital access

Basic cover quote


per month

Comprehensive cancer cover


Levels of cover available


Health Pricing ImageTwo


Comprehensive policy: full outpatient cover, full cancer cover and London hospital access

Comprehensive cover quote


per month

Comprehensive cancer cover


Levels of cover available


Benefits of VitalityHealth Health Insurance

  • Awarded a 5 Star Defaqto rating
  • 4.3/5 Trustpilot score
  • Take advantage of Active Rewards such as gym discounts and cinema tickets
  • Get mental health cover at no extra cost when you start a new Personal Healthcare plan
  • Access to the free Vitality GP app
  • Up to four Vitality GP video consultations each plan year for each member
  • At least two face-to-face GP consultations in the London area each plan year for each member
  • Up to £100 per plan year for minor diagnostic tests
  • 24/7 GP telephone advice service
Compare health insurance providers to see how VitalityHealth’s health insurance performs against their competitors.

What does VitalityHealth insurance cover?

VitalityHealth insurance policies cover the following as standard:

  • Vitality GP
  • NHS hospital cash benefit
  • Full cover for in-patient and day-patient costs
  • Hospital fees and diagnostic tests
  • Specialist and consultant fees
  • Childbirth cash benefit
  • In-patient and day-patient MRI, CT or PET scans
  • Private ambulance
  • Advanced cancer cover
  • Parent accommodation
  • Out-patient surgical procedures
  • Lifestyle surgery
  • Mental health support

What optional extras can I add to my VitalityHealth insurance policy?

VitalityHealth offers flexible cover to suit your needs. You can add any of the following optional extras to your plan to get the cover you need.

Add a hospital list

All VitalityHealth insurance plans come with Consultant Select included as standard. Consultant Select lets doctors decide who should treat you and which hospital you should be treated at based on your condition and where you live. If you choose to add a hospital list to your plan, you’ll get more freedom over your treatment.

Out-patient cover

This provides cover for out-patient consultations and consultant fees when necessary as part of your treatment. Out-patient diagnostics including MRI, CT and PET scans, blood tests, x-rays, radiology and pathology when referred by a consultant. You can add:

  • Out-patient cover with a limit – you can set a limit of £500, £750, £1,000, £1,250 or £1,500 for out-patient consultations, consultant fees, diagnostic tests and physiotherapy that isn’t arranged through VitalityHealth’s Priority Physiotherapy Network.
  • Full cover diagnostics – if you’ve selected out-patient cover with a limit, you can upgrade to full cover for any out-patient diagnostic tests you need, meaning your out-patient limit will only apply to specialist consultations and physiotherapy not undertaken within VitalityHealth’s network.
  • Full out-patient cover – this includes all out-patient consultations, consultant fees, diagnostic tests and physiotherapy arranged through their Priority Physiotherapy Network.

Therapies cover

Includes full cover for chiropractic treatment, osteopathy, chiropody/podiatry, acupuncture, homeopathy and two consultations with a dietician following a GP or consultant referral.

Mental health cover

VitalityHealth’s mental health cover includes unlimited therapy services and out-patient, in-patient and day-patient support. You’ll get:

  • Unlimited Talking Therapies treatment
  • £1,500 out-patient support for consultations with psychiatrists and psychologists
  • 28 days in-patient and day-patient treatment in a treatment facility

Dental cover

You can add two levels of dental cover to your policy depending on how much cover you want and how much you want to spend.

  • Major dental treatment – covers you for crowns, bridges, root canal treatment, extractions, apicectomy, dentures and emergency dental work after an accident.
  • Major and routine dental treatment – covers you for everything included in major dental treatment, as well as routine examinations, scaling and polishing, dental x-rays and fillings.

Worldwide travel cover

VitalityHealth’s worldwide travel cover includes:

  • Up to £10 million emergency medical expenses overseas, as well as lost luggage, delayed flights and more.
  • Offers cover for up to 120 days, as long as you’re aged 64 or under when this benefit is added to your plan.


Managing your VitalityHealth insurance plan and making a claim

You can find a summary of your cover and any information you need by logging into the Member Zone online. In order to make a claim, you’ll need an open referral from a GP that details your symptoms or conditions. You can get an open referral via the Vitality GP app or your NHS GP, whichever is more convenient for you.

When you contact VitalityHealth, they can assist you in locating a specialist. Or, if you’ve chosen a hospital list and want to see a specific consultant, you’ll need to provide details of the consultant or therapist who is registered with VitalityHealth. If you know which hospital you want to be treated at, you need to check it’s included on your hospital list.

You can start a claim or manage an existing one in VitalityHealth’s Care Hub by logging into your account. In the Care Hub, you can:

  • Start a claim
  • Track existing claims
  • View bills/invoices/payments
  • Find out how much your excess is


Contact VitalityHealth

If you’re abroad and need to make an emergency claim on your VitalityHealth insurance, you can contact them 24 hours a day, seven days a week on 00 44 345 278 5605.

If you want to speak to the health team, you can reach them on 0345 602 3523. Lines are open Monday to Friday 8am to 7pm or Saturday 9am to 1pm.

Frequently Asked Questions

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