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Health insurance

  • Private healthcare from as little as £1.45 per day*
  • Rated 5 Star by Defaqto
  • Get healthy to earn rewards like Apple Watch

Top-rated medical insurance for when you need it most

  • 5-Star-2023-colour-PMI-100px
  • 5 Star Defaqto rating logo. It reads 'Expert rated' and shows the category Private Medical Insurance, and the year 2024.
  • UK Customer Experience Awards - 2020 Gold
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What is health insurance?

Health insurance gives you access to private healthcare and helps cover the cost. It's also known as private health insurance or private medical insurance.

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

*Price is based on a 35-year-old living in Peterborough, plan starting 01.02.2024, with Consultant Select hospital option, Full Medical Underwriting, plan excess of £250, and £500 Out-patient benefit. Includes Insurance Premium Tax

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Need some advice?

Call us on 0808 291 6913*


Request a callback

* Call centre opening hours: Monday to Thursday 9am - 8pm, Friday 9am - 6pm,
Saturday 10am - 2pm, Sundays closed.

Why Choose Vitality health insurance?

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


Private treatment and support

Fast access to specialist health 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

Weekly rewards

Save on top brands

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

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)

How does private 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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1 Pay for your health cover every month

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 medical insurance 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 private health insurance cost?

Our health insurance starts from £1.45* 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.

Health insurance FAQs

Want to learn more about health insurance?

Read some of our popular guides.