Basic policy: no outpatient cover, NHS cancer cover and essential hospital access
VitalityHealth Reviews
Award-winning health insurance with fast referrals into a consultant and rewards for living a healthy lifestyle.
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Sentiment Score: 2.0/10
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29415 reviews found on websites such as TrustPilot
Price Band
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Good for
- Rated 5 stars by Defaqto
- Rated 4.2/5 by Trustpilot
84% of consumers read reviews before purchasing
*Based on an independent survey of 1000 people by Compare By Review
Cover Purchased
Reviewed without invitation
Reviewed the
Service
experience on 6 Sep 2023
Awful Service Go Elsewhere For Insurance
I have paid for private medical insurance to avoid the long delays. I injured myself while out exercising on tuesday, went to a&e and was referred to fracture clinic. The consultant asked for a scan …
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Recieved a response within 3-4 days after their service query was submitted
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Was neither happy or unhappy with their experience when they spoke to someone
Cover Purchased
Reviewed without invitation
Reviewed the
Claims
experience on 20 May 2023
Huge Disappointment! Go Elsewhere For Your Health Cover
Having been a member of Vitality for a number of years I was extremely disappointed by my first experience of making a claim. Here are a few examples:
- Policy doesn't cover what it says it will. …
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Recieved a response over 5 days after their claim was submitted
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Claim was success and paid out
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Was neither happy or unhappy with their experience when they spoke to someone
Quotes our team received
Details
Basic Cover Quote
£42.25
Per Month
Comprehensive Cancer Cover
Included
Levels Of Cover Available
1
Details
Comprehensive policy: full outpatient cover, full cancer cover and London hospital access
Comprehensive Cover Quote
£55.55
Per Month
Comprehensive Cancer Cover
Included
Levels Of Cover Available
1
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
All of VitalityHealth’s private medical insurance plans start with their Core Cover which includes primary care, out-patient surgical procedures, mental health support, in-patient and day-patient treatment, advanced cancer cover and additional benefits. You can then customise your plan with further cover including out-patient cover, therapies cover, dental cover and worldwide travel cover. Additionally, you have the option of tailoring your plan further by choosing a hospital list, a level of excess and choosing which type of underwriting suits your needs.
Yes, VitalityHealth’s Core Cover provides you with comprehensive treatment and support for cancer should you need it. There are no benefit limits to VitalityHealth’s Advanced Cancer Cover meaning you’re covered in full.
No, VitalityHealth’s private medical insurance won’t cover any pre-existing medical health conditions that you have when you take out a policy.
The hospitals you have access to will vary depending on how you tailor your plan but you could have access to:
- Local hospitals This hospital list includes: All of the hospitals in the UK’s largest hospital groups, including BMI Healthcare, Nuffield Health, Spire Healthcare, and Ramsay Health Care A number of select local providers, including Aspen Healthcare and the New Victoria Hospital No Central London Hospitals
- Countrywide hospitals This hospital list includes: All of the hospitals in the UK’s largest hospital groups, including BMI Healthcare, Nuffield Health, Spire Healthcare, and Ramsay Health Care A number of select local providers, including Aspen Healthcare and the New Victoria Hospital In Central London – The London Clinic, The Hospital of St John & St Elizabeth, King Edwards VII’s Sister Agnes Hospital and the Royal Marsden Hospital Most other private hospitals outside of London All NHS Private Patient Units outside of London Some Central London NHS Private Patient Units
- London care This hospital list includes: All private hospitals in the UK All NHS hospitals with private facilities in the UK
Health Insurance Guides
Check out our insurance guides for more information
