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
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
* 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
Save on top brands
Enjoy benefits and discounts on top brands. Earn rewards when you get active
Earn rewards for being healthy
It's so easy. Buy a private health insurance plan. Get active. Earn points. Get great rewards.
What's included in our private health insurance?
Mental health support
Online support and up to 8 talking therapy or counselling sessions covered as standard
Includes extra physiotherapy, specialist consultations and medical tests
Choose where you're treated
Choose a hospital list or our recommended panel of specialists
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:
Like diabetes and asthma, which require routine treatment
Conditions you have before you buy your plan
How does private health insurance work?
You can do it all on your phone.
1 Pay monthly
You can pay this by Direct Debit.
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 referyourself directly to us.
3 Make a claim
If you need to see a specialist or get treatment, you can make a claim online.
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.
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:
- 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? You can submit a claim online if you have received treatment from a private GP or therapist.