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Private health insurance that rewards you for being healthy
Minimum monthly premiums and T&Cs apply. Any monthly payment you make will be between £0 and £12.50, depending on your level of activity. You'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months.
Why choose VitalityHealth?
VitalityHealth makes it easy to get fast access to high quality care, with rewards for getting active.
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Comprehensive cover
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Award-winning cover with fast referrals into a consultant.
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Flexible cover choices
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Our Cover Options give you control over your plan and your costs.
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Healthy rewards
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The healthier you get, the bigger the rewards and the more you can save.
Award-winning health insurance
What is health insurance?
Private Medical Insurance (PMI) in the UK provides access to high-quality private medical facilities and medical treatments, at a time and place to suit you. It also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions. This could be anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery or biological therapy for the treatment of cancer.
What does health insurance cover?
Private medical insurance is designed to cover the cost of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery.
It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – these are still treated within the NHS. Private medical insurance also won’t cover any pre-existing conditions that you may have when taking out a plan.
How does private medical insurance work?
For the majority of claims, medical treatment begins with a GP referral for specialist treatment. This can either be your NHS GP or a private GP. Any onward treatment is managed by working closely with your private medical insurer, to ensure that you have quick and easy access to the right medical treatment.
How is private medical insurance different from the NHS?
Private medical insurance is designed to work alongside all the services offered by the NHS, but focuses on providing quicker access to treatment for acute medical conditions. PMI members can still use all services offered by the NHS. But with pressures on the NHS to meet healthcare demands growing rapidly, compounded by increasingly stretched resources, PMI can play a complementary role.
Core Cover includes
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In-patient and day-patient treatment
Full Cover for hospital fees, consultants fees and diagnostic tests as well as out-patient surgical procedures..
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Cancer Cover
Everyone gets comprehensive Cancer Cover as part of Core Cover. Adding our Extended Cancer Cover ensures there will be no limits on the use of biological, hormone and bisphosphonate therapies.
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Vitality GP
Offers 24/7 access to a private GP helpline, video consultations within 48 hours; up to £100 towards private prescriptions and minor diagnostic tests.
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Vitality Care
Our team of medical professionals and trained case managers ready to offer help and advice, whenever you need them.
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Home Nursing
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NHS Hospital Cash Benefit
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Private Ambulance
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Pregnancy Complications
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Oral Surgery
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Childbirth Cash Benefit
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Parent Accommodation
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Weight Loss Surgery
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Corrective Surgeries
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Talking Therapies
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Rehabilitation
Why choose VitalityHealth?
What is an insurance premium?
What is an excess in health insurance?
Can I get private health insurance with a pre-existing condition?
What isn’t covered with private health insurance?
There are some standard treatments and conditions that we don't cover. These are:
• Any regular monitoring or treatment of long- term (chronic) conditions, like diabetes or allergies
• Any treatment you receive outside the UK
• Emergency treatment or visits to your NHS GP
• Pregnancy, childbirth and most related conditions
• Cosmetic treatment
• Organ transplants
• Any treatments or practices that are experimental, unproven or unregistered
• Any treatment for learning difficulties, delayed speech disorders and other developmental problems
For full details on what’s covered in your plan, check your welcome pack or our terms and conditions.
What should I look out for when buying private health insurance?
• Fast Diagnostic Tests - With waiting times being a major cause of anxiety in many health events, Private Medical Insurance offers the reassurance of a quick and full diagnosis. However, you’ll need to make sure the plan you choose includes Out-patient Cover.
• Choice Of Hospital - PMI offers easy access to hundreds of private hospitals in the UK, as well as the freedom for you to choose where and when you’re treated.
• Drugs & Treatment - PMI provides access to a wider range of drugs and treatment, including those which might not yet be approved for use or paid for by the NHS.
• Choice Of Consultant - PMI gives you the freedom to choose a consultant for a specific claim.
• Privacy - Private healthcare offers you the comfort and privacy of your own room in a nationwide network of private hospitals,with no worries about shared wards.
Do I need a medical examination before I take out health insurance?
If you do have a pre-existing condition, we may need to ask you more questions about your health, or contact your GP. We’ll always tell you if that’s the case.
Call us and we’ll let you know if we need any more information before giving you a quote.
Switch to Vitality
Is it time to review your health insurance?
Vitality provide 5-star Defaqto rated private health insurance, offering a Full Cover Promise with no shortfall in eligible consultants' fees and fast access to a GP. Plus, ongoing rewards for healthy living.
Vitality GP
The Vitality GP app – included in our Core Cover – lets you book a video consultation with one of our private GPs within 48 hours, including evenings and Saturday mornings. The Vitality GP can also refer you straight to a consultant. You get up to £100 towards private prescriptions and minor diagnostic tests, too.
Connect and save
Track your activity and earn rewards
Choose an eligible activity tracking device or app and link it to Vitality to earn Vitality points for getting active. To give you a helping hand, we also offer discounts on Polar, Garmin and Withings devices.
As you get active, you can earn rewards from Starbucks and Cineworld or Vue.
Our reward partners
Ready to apply online?
Call us on 0800 779 955
Or ask for a call back and we’ll get in touch at a time to suit you.
Lines are open:
Monday to Thursday: 9am – 7.45pm
Friday: 9am – 5pm
Saturday: 9.30am – 2pm
Important Information
*£99 upfront payment is a standard offer for VitalityHealth members. Price shown refers to Apple Watch 4 40mm Silver aluminium model with sport band.
Available with VitalityHealth Personal Healthcare plans with a minimum monthly premium of £35; VitalityHealth Business Healthcare plans; VitalityHealth Corporate Healthcare plans and trust schemes administered by VitalityHealth with the benefit of Vitality Plus.
Offer applies to selected Apple Watch Series 4 40mm or 44mm models only. Offer only available to members aged 18 or over. Eligibility for this offer is subject to financial circumstances and status. Upon a successful credit check you'll need to make an initial upfront payment which will vary depending on the model you choose to a maximum of £129. You'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Your monthly payment will depend on your level of Vitality activity and could be between £0 and £12.50. If you are unable to maintain your payments the lender reserves the right to cancel your credit agreement. If you cancel your Vitality plan and have not completed your payments under the credit agreement, your credit agreement with the lender will continue under the terms of that agreement.
VitalityHealth is a trading name of Vitality Corporate Services Limited, who for the purposes of this offer is acting as a credit broker only and not a lender. afforditNOW is a suite of lending products offered by PayBreak Limited, the exclusive lender. PayBreak is unable to offer credit to members living in the Channel Islands. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority. Registered office at 3 More London Riverside, London, SE1 2AQ. Further terms and conditions apply. PayBreak Limited is authorised and regulated by the Financial Conduct Authority. Registered offices at Grosvenor House, 20 Barrington Road, Altrincham, WA14 1HB.