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Private health insurance

  • Private healthcare from £1.25 per day
  • Rated 5 Star by Defaqto
  • Get healthy to earn rewards like Apple Watch

Top-rated cover for when you need it most

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  • UK Customer Experience Awards - 2020 Gold
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What is private health insurance?

Private health insurance (or private medical insurance) gives you access to private healthcare and helps cover the cost. That includes seeing a private GP, mental health support and private physiotherapy.

Consider private health insurance if you want to:

  • See a private GP. And avoid lengthy GP and hospital waiting lists
  • Get diagnosed and treated quickly
  • Access specialist drugs and treatments
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Need some advice?

Call us on 0808 291 6913*


Request a callback

* Call centre opening hours: Monday to Thursday 9am - 8pm, Friday 9am - 6pm,
Saturday 10am - 2pm, Sundays closed.

Why Choose Vitality private health insurance?

Stay in control of your health. Get rewarded for it too.


Private treatment and support

Fast access to specialist care – like mental health support and physiotherapy


Manage your health yourself

Access private healthcare simply online – you can see a GP, book treatment and more

Weekly rewards

Save on top brands

Enjoy benefits and discounts on top brands. Earn rewards when you get active

Optional extras

Out-Patient Cover

Includes extra physiotherapy, specialist consultations and medical tests 

Choose where you're treated

Choose a hospital list or our recommended panel of specialists

Therapies Cover

Covers alternative treatments like acupuncture

Mental Health Cover

Extra cover for mental health conditions as a day-patient or in-patient

Optical, dental and hearing

Cover that helps pay for eye, dental, and hearing care

Worldwide travel insurance

Health insurance while you're abroad

What's not covered

Some examples of exclusions:

Long-term conditions

Like diabetes and asthma, which require routine treatment

Pre-existing conditions

Conditions you have before you buy your plan

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Important plan documents

To see the full list of exclusions and what’s included in your cover, take a look through our health insurance plan documents.

Health insurance plan summary (IPID) (PDF 334KB)

Health insurance plan terms and conditions (PDF 1,961KB)

How does private health insurance work?

You can do it all on your phone.

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Video GP consultation on a mobile
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Meditation eyes closed
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1 Pay monthly

You can pay this by Direct Debit.

Video GP consultation on a mobile

2 See a GP or contact us if you’re unwell

This can either be your NHS GP or a private GP, like Vitality GP. For certain conditions you can also refer yourself directly to us.

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3 Make a claim

If you need to see a specialist or get treatment, you can make a claim online.

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4 We pay the bill

If your claim is approved, you can receive treatment and we’ll pay the bill. In some circumstances, you may need to pay your excess.

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How much does private health insurance cost?

Our health insurance starts from £1.25 a day. How much you pay is mostly based on your:

  • Age
  • Where you live
  • Current health and wellbeing – like if you smoke
  • What your chosen excess is – the higher your excess, the lower your premium
  • Cover options – if you opt for additional cover
  • If you add dependants to your plan
  • Hospital access choice – where you want to be treated.
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How to make a health insurance claim

Already a member? You can submit a claim online if you have received treatment from a private GP or therapist.

Health insurance FAQs

Want to learn more about health insurance?

Read some of our popular guides.