Health insurance that rewards your healthy habits

Cover starts 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

  • Health-Year-5-RGB -DEFAQTO
  • UK Customer Experience Awards - 2020 Gold
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What is health insurance and do you need it?

Health insurance gives you access to private healthcare and helps cover the cost. That's anything from seeing a private doctor, to surgery and treatment.

Consider health insurance if you want to:

  • 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 01618080572

Request a call back

Why Choose Vitality health insurance

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


Private treatment and support

Fast access to mental health, physiotherapy and other specialist support


Manage your health yourself

Healthcare in the palm of your hand with features like video GP

Weekly rewards

Save hundreds on top brands

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

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Get up to 2 months' premiums back

Earn money back when you get active on a new health or life insurance plan. Qualifying plans only. Maximum payment applies to Life plans, minimum monthly premiums, terms and conditions apply. Offer running 1 July to 30 September 2022. 

Everything was in hand

At just 35, Felicity found a lump in her breast and went straight to her GP. She needed to see a specialist immediately so contacted Vitality and saw one within an hour. Here's the rest of the story and how core cover helped her through.


May 2021

Optional extras

Out-Patient Cover

Includes physiotherapy

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 Cover

Cover while you're abroad

We don't cover

Some examples of exclusions include:

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 plan documents.

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

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

How does 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 health insurance cost?

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

  • Age
  • Current health
  • What your chosen excess is.

The higher your excess, the lower your premium.

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How to claim on your health insurance

Feel unwell or developed a condition?

Find out what you need to do to make a claim on your health insurance.

Health insurance FAQs

Want to learn more about health insurance?

Call us on 0808 274 1902 to get advice or read some of our guides.