Health insurance
- Private healthcare from as little as £1.45 per day 1
- Rated 5 Star by Defaqto
- Get healthy to earn rewards like Apple Watch
Top-rated medical insurance for when you need it most
What is health insurance?
Health insurance is a type of insurance policy. It gives you access to private healthcare and helps cover the cost.
It's also known as private health insurance or private medical insurance (PMI).
You pay a regular premium – and if you get unwell, your insurer can help toward the cost of private treatment. Consider private health insurance if you want more flexibility with where and when you’re treated.
It can also help you avoid long waits for appointments and hospital treatment. Anyone with private health insurance can still use public healthcare (NHS).
The benefits of Vitality health insurance
Stay in control of your health. Get rewarded for it too.
Talk to a Vitality GP quickly
Get an appointment within 48 hours.
Access specialist treatment
Including mental health support, cancer care and physiotherapy.
Choose where you're treated
You can select which hospitals you'd like to be treated at.
Manage your health yourself
Access private healthcare simply online - you can see a GP, book treatment and more.
Save on top brands
Enjoy benefits and discounts on top brands. Earn rewards when you get active.
What's included in our health insurance?
Our health insurance plan covers the following as standard:
Optional extras
You can boost your health insurance plan with these optional extras
Optical, hearing and dental
Cover that helps pay for eye, hearing and dental care
Worldwide travel insurance
Access emergency medical treatment while you're abroad. Also includes certain pre-trip vaccinations
Mental Health Cover
Extra cover for mental health conditions as a day-patient or in-patient
Choose where you're treated
Choose where you receive medical treatment. Select a hospital list or pick from our recommended panel of specialists
Therapies Cover
Covers chiropractic and osteopathy treatments. Plus consultations with a dietician
Out-Patient Cover
Includes extra physiotherapy, specialist consultations and medical tests - such as MRI and CT scans
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 health insurance plan
Important plan documents
To see the full list of exclusions and what’s included in your health 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)
Want some help?
You can always get free advice from one of our qualified experts . Just call us on 0808 291 6913* or get a quote online.
* Call centre opening hours: Monday to Thursday 9am - 8pm, Friday 9am - 6pm,
Saturday 10am - 2pm, Sundays closed.
Earn rewards for being healthy
It's so easy. Buy a private health insurance plan. Get active. Earn points. Get great rewards.
How much does private health insurance cost?
Our health insurance starts from £1.45 1 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.
How to make a health insurance claim
Already a member? Filing a claim on your health insurance plan is simple. You can submit a claim online if you have received treatment from a private GP or therapist.
1 Price is based on the following criteria: a 35 year-old, based in Peterborough, plan start date 1st February 2024, Full Medical Underwriting, Consultant Select hospital option, £250 excess and £500 Out-patient benefit and includes Insurance Premium Tax (IPT)
** Discounted cancer screenings available to members where appropriate, based on a members age and gender. Members who are identified as high-risk will be strongly encouraged to access the discounted cancer screening.
*** You'll get your consultant and anaesthetist fees paid in full for in-patient and day-patient treatment - as long as they're on our approved list of specialists.
How private health insurance works
You can do it all on your phone.
Pay monthly
You can pay your monthly premium by Direct Debit
See a GP if you're unwell
Or you can refer yourself to us for certain conditions
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Make a claim
If you need to see a specialist or get treatment, you can make a claim online
We pay the bill
If your claim is approved, you can receive treatment - and we'll pay the bill *
