- Private healthcare from £1.25 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
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
* 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
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 health insurance?
Our health insurance plan covers the following as standard:
Hospital care, including day visits, overnight stays and tests or scans - like X-ray or MRI
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
Covers chiropractic and osteopathy treatments. Plus consultations with a dietician
Includes extra physiotherapy, specialist consultations and medical tests - such as MRI and CT scans
What's not covered
Some examples of exclusions:
Like diabetes and asthma, which require routine treatment
Conditions you have before you buy your health insurance plan
How does private health insurance work?
You can do it all on your phone.
1 Pay for your health cover every month
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 refer yourself 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 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.
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? 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.