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Join by 30 June 2019. Available on new Personal Healthcare plans. Minimum monthly premiums and terms and conditions apply.*
Why choose VitalityHealth?
VitalityHealth makes it easy to get fast access to high quality care, with rewards for getting active.
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
Full Cover for hospital fees, consultants fees and diagnostic tests as well as out-patient surgical procedures..
Everyone gets comprehensive Cancer Cover as part of Core Cover, which includes no limits on the use of biological, hormone and bisphosphonate therapies.
Offers 24/7 access to a private GP helpline, video consultations within 48 hours; up to £100 towards private prescriptions and minor diagnostic tests.
Our team of medical professionals and trained case managers ready to offer help and advice, whenever you need them.
NHS Hospital Cash Benefit
Childbirth Cash Benefit
Weight Loss Surgery
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.
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
*Offer applies to new Personal Healthcare plans. Offer runs 15.04.2019 to 30.06.2019 inclusive and is not sponsored or endorsed by Amazon. The Amazon Echo Dot and Amazon Smart Plug will be sent after the first premium payment has been received. Minimum monthly premiums and further terms and conditions apply. VitalityHealth is a trading name of Vitality Corporate Services Limited which is authorised and regulated by the Financial Conduct Authority.
**Available with VitalityHealth Personal Healthcare plans with a minimum monthly premium of £35; VitalityHealth Business Healthcare plans excluding members with Vitality Essentials; VitalityHealth Corporate Healthcare plans and trust schemes administered by VitalityHealth with the benefit of Vitality Plus.
This benefit applies to an annual (12-month) Amazon Prime membership only. This one year Prime membership benefit can only be applied to a personal Amazon.co.uk account. It cannot be applied to a Prime Student or Amazon Business account. There is no Vitality discount on an Amazon Prime monthly membership, and it cannot be used in conjunction with any other Amazon Prime offers. Only one Vitality member aged 18 or over per household can receive the Amazon Prime benefit. Eligibility for this offer is subject to financial circumstances and status. You’ll need to pass a credit check and agree to a 12-month online consumer credit agreement (0% APR) with the lender. You’ll pay £0 or £7.90 per month over ten months by variable Direct Debit, based on the Vitality activity points you earn. If you’re unable to maintain your payment contributions the lender reserves the right to cancel your credit agreement. If you cancel your Vitality plan and haven’t completed your payment contributions under the credit agreement, your credit agreement with the lender will continue under the terms of that agreement. From time to time we change the way we award points for tracking physical activity, but you’ll always be able to claim the monthly saving by getting active.
Amazon.co.uk is not a sponsor of this promotion. Amazon Prime membership codes must be redeemed on amazon.co.uk/redeemprime by accepting the Amazon Prime Terms and providing a valid payment method. Your Amazon Prime membership automatically renews for the fee in effect at the time of renewal. You may cancel at any time by visiting Your Account and adjusting your membership settings. Amazon Prime membership codes cannot be transferred or resold and are not refundable. Amazon delivery restrictions apply. For more information about Amazon Prime, visit amazon.co.uk/prime. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.
VitalityHealth is a trading name of Vitality Corporate Services Limited who, for the purposes of this offer, are 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, whose registered office is at 3 More London Riverside, London SE1 2AQ. PayBreak Limited is authorised and regulated by the Financial Conduct Authority, whose registered offices is at The Block, Ashley Road, Altrincham WA14 2DW.
Details correct as of June 2019. View the full terms and conditions