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Private health insurance with rewards for healthy living

5-Star Defaqto rated health insurance from as little as £1.15 a day. Plus, with a qualifying plan, you could get Apple Watch.

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Why choose VitalityHealth?

VitalityHealth makes it easy to get fast access to high quality care, with rewards for getting active.

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  • Comprehensive cover

    Award-winning cover with fast referrals into a consultant.

  • Flexible cover choices

    Our Cover Options give you control over your plan and your costs.

  • Healthy rewards

    The healthier you get, the bigger the rewards and the more you can save.

Award-winning health insurance

What is health insurance?

Private Medical Insurance (PMI) in the UK provides access to high-quality private medical facilities and medical treatments, at a time and place to suit you. It also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions. This could be anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery or biological therapy for the treatment of cancer.

What does health insurance cover?

Private medical insurance is designed to cover the cost of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery.

It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – these are still treated within the NHS. Private medical insurance also won’t cover any pre-existing conditions that you may have when taking out a plan.

How does private medical insurance work?

For the majority of claims, medical treatment begins with a GP referral for specialist treatment. This can either be your NHS GP or a private GP. Any onward treatment is managed by working closely with your private medical insurer, to ensure that you have quick and easy access to the right medical treatment.

How is private medical insurance different from the NHS?

Private medical insurance is designed to work alongside all the services offered by the NHS, but focuses on providing quicker access to treatment for acute medical conditions. PMI members can still use all services offered by the NHS. But with pressures on the NHS to meet healthcare demands growing rapidly, compounded by increasingly stretched resources, PMI can play a complementary role.

Core Cover includes

Our Core Cover gives you private GP video consultations within 48 hours and a Full Cover Promise. Plus, it helps keep you healthy, because we reward you for getting active.
  • In-patient and day-patient treatment

    Full Cover for hospital fees, consultants fees and diagnostic tests as well as out-patient surgical procedures..

  • Advanced Cancer Cover

    Everyone gets comprehensive Cancer Cover as part of Core Cover, which includes no limits on the use of biological, hormone and bisphosphonate therapies.

  • Vitality GP

    Offers 24/7 access to a medical helpline, video consultations within 48 hours; up to £100 towards private prescriptions and minor diagnostic tests.

  • Vitality Care

    Our team of medical professionals and trained case managers ready to offer help and advice, whenever you need them.

  • Home Nursing
  • NHS Hospital Cash Benefit
  • Private Ambulance
  • Pregnancy Complications
  • Oral Surgery
  • Childbirth Cash Benefit
  • Parent Accommodation
  • Weight Loss Surgery
  • Corrective Surgeries
  • Talking Therapies
  • Rehabilitation

Why choose VitalityHealth?

VitalityHealth offers better care, in the form of award-winning Private Medical Insurance. It also puts an equal focus on better health, by helping you stay healthy. This combination of bringing the two together into one truly integrated offering is the real power of Vitality. As you benefit from better health, it enables us to share some of the insurance savings that emerge in the form of better product benefits and incentives – fuelling a virtuous cycle.

What is an insurance premium?

It’s what you pay in order to be covered by a plan - e.g. health insurance. You’ll normally pay for your insurance premium by monthly or annual direct debit. Your premium is reviewed once a year and changes depending on your age, your Vitality status, if you make a claim and medical inflation.

What is an excess in health insurance?

As in home insurance, for example, the excess in health insurance is a contribution you agree to make towards any claims. The larger the excess you agree to, the lower your premiums will be. Some insurers ask for you to pay the excess after each claim, while others ask you to pay it on the first claim in any plan year only, regardless of the number of claims you make.

Can I get private health insurance with a pre-existing condition?

Private medical insurance doesn't normally cover pre-existing conditions, but you can still take out cover for conditions that may affect you in future.

What isn’t covered with private health insurance?

It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – that would make premiums much more expensive. Private medical insurance also won’t cover any pre-existing conditions you may have when you take out a plan.

There are some standard treatments and conditions that we don't cover. These are:
Any regular monitoring or treatment of long- term (chronic) conditions, like diabetes or allergies
Any treatment you receive outside the UK
Emergency treatment or visits to your NHS GP
Pregnancy, childbirth and most related conditions
Cosmetic treatment
Organ transplants
Any treatments or practices that are experimental, unproven or unregistered
Any treatment for learning difficulties, delayed speech disorders and other developmental problems

For full details on what’s covered in your plan, check your welcome pack or our terms and conditions.

What should I look out for when buying private health insurance?

Waiting Lists - Private Medical Insurance takes away the uncertainty of NHS waiting lists, by giving you access to the very best medical care, at a time and place that suits you.

Fast Diagnostic Tests - With waiting times being a major cause of anxiety in many health events, Private Medical Insurance offers the reassurance of a quick and full diagnosis. However, you’ll need to make sure the plan you choose includes Out-patient Cover.

Choice Of Hospital - PMI offers easy access to hundreds of private hospitals in the UK, as well as the freedom for you to choose where and when you’re treated.

Drugs & Treatment - PMI provides access to a wider range of drugs and treatment, including those which might not yet be approved for use or paid for by the NHS.

Choice Of Consultant - PMI gives you the freedom to choose a consultant for a specific claim.

Privacy - Private healthcare offers you the comfort and privacy of your own room in a nationwide network of private hospitals,with no worries about shared wards.

Do I need a medical examination before I take out health insurance?

If you have no pre-existing conditions when you join, there’s no need. Just pick your level of cover and answer some basic questions about your medical history.
If you do have a pre-existing condition, we may need to ask you more questions about your health, or contact your GP. We’ll always tell you if that’s the case.
Call us and we’ll let you know if we need any more information before giving you a quote.

Vitality GP

The doctor in your phone

The Vitality GP app – included in our Core Cover – lets you book a video consultation with one of our private GPs within 48 hours, including evenings and Saturday mornings. The Vitality GP can also refer you straight to a consultant. You get up to £100 towards private prescriptions and minor diagnostic tests, too.
Explore Vitality GP

Connect and save

Track your activity and earn rewards

Choose an eligible activity tracking device or app and link it to Vitality to earn Vitality points for getting active. To give you a helping hand, we also offer discounts on Polar, Garmin and Withings devices.

As you get active, you can earn rewards from Cineworld or Vue.

Explore activity tracking
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Award-winning health insurance from £1.15 per day.

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Or ask for a call back and we’ll get in touch at a time to suit you.
Lines are open:
Monday to Thursday 9am-6pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed


Our reward partners

Our Vitality partners give you discounts and benefits to help you understand and improve your health and reward you when you do.
  • amazon-prime
  • Cineworld and Vue white logos
  • david lloyd
  • nuffield
  • Virgin Active Logo in White
  • Garmin white logo
See all our partners