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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

  • Moneyfacts 5-Star-2024
  • 5 Star Defaqto rating logo. It reads 'Expert rated' and shows the category Private Medical Insurance, and the year 2024.
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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

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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)

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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.

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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.
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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

Manage ongoing claims (2)

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 *

* In some circumstances, you may need to pay your excess.

Health insurance FAQs

Want to learn more about health insurance?

Read some of our popular guides.