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Private health insurance with rewards

✓ Get active, track your activity and you could get Apple Watch
✓ Cover starting from £1.25 per day
✓ Rated 5-stars by Defaqto

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What is health insurance?

Private medical insurance (PMI) gives you quick access to private facilities and treatments. It helps pay for any high, unexpected private medical bills you may need covered. This could be anything from physiotherapy sessions, to major heart surgery. PMI also plays an important role in funding the early diagnosis of critical conditions.

Need some advice? Call us on 0808 274 1902 or request a callback

Why choose Vitality health insurance?

VitalityHealth makes it easy to get fast access to high quality care, with rewards for getting active.
Our health insurance is 5 Star rated by Defaqto, and 4.5 star rated on Trustpilot

  • Comprehensive cover

    Award-winning cover with fast referrals into a consultant.

  • Flexible cover choices

    Our Cover Options give you control over your plan and your costs.

  • Healthy rewards

    The healthier you get, the bigger the rewards and the more you can save.

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. 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.

What does health insurance cost in the UK?

Monthly premiums vary from person to person. Premiums are calculated based on many factors, like your:
  • Age
  • Current health
  • What your chosen excess is – the higher your excess, the lower your premium will be.
Our core health cover starts from £1.25 a day.
Get a health insurance quote

Core Cover includes

Acute conditions 
These are conditions where symptoms develop quickly and treatment is short-term. Examples include hernias and joint injuries.
Private hospital stays
Specialist consultations
✓ Diagnostic tests
✓ Cancer treatment 
✓ Oral surgery

Our core cover includes the above, but also includes:
Weight loss surgery
Corrective surgeries
✓ Discounts and rewards for healthy living
 Mental health support
 Menopause support.

You can boost what's covered in your plan by including cover options. Like Out-Patient Cover, Optical, Dental and Hearing Cover, and more.
Vitality's life insurance is 5-star Defaqto rated


VitalityHealth offers better care, in the form of award-winning Private Medical Insurance. It also puts an equal focus on better health, by helping you stay healthy. This combination of bringing the two together into one truly integrated offering is the real power of Vitality. As you benefit from better health, it enables us to share some of the insurance savings that emerge in the form of better product benefits and incentives – fuelling a virtuous cycle.
It’s what you pay in order to be covered by a plan - e.g. health insurance. You’ll normally pay for your insurance premium by monthly or annual direct debit. Your premium is reviewed once a year and changes depending on your age, your Vitality status, if you make a claim and medical inflation.
As in home insurance, for example, the excess in health insurance is a contribution you agree to make towards any claims. The larger the excess you agree to, the lower your premiums will be. You can choose to pay the excess on each claim you make, or only on the first claim you make in each plan year.
Private medical insurance doesn't normally cover pre-existing conditions, but you can still take out cover for conditions that may affect you in future.
It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – that would make premiums much more expensive. Private medical insurance also won’t cover any pre-existing conditions you may have when you take out a plan.

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.
Waiting Lists - Private Medical Insurance takes away the uncertainty of NHS waiting lists, by giving you access to the very best medical care, at a time and place that suits you.

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.
If you have no pre-existing conditions when you join, there’s no need. Just pick your level of cover and answer some basic questions about your medical history.
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.

Our reward partners

Our Vitality partners give you discounts and benefits to help you understand and improve your health and reward you when you do.
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  • Garmin white logo
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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-6pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed