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Private health insurance

  • Private healthcare from £1.45 per day1
  • Get full cancer cover, including early detection, treatment and recovery
  • Get healthy to earn rewards like Apple Watch

What is private health insurance?

Private health insurance gives you fast access to private healthcare - and helps cover the cost. You can:

See a private GP

And avoid lengthy GP and hospital waiting lists.

Access specialist treatment

Including mental health support, cancer care and physiotherapy.

Get treated quickly

Choose where you're treated - and by whom.

Use it alongside the NHS

Anyone with private health insurance can still use public healthcare.

Your core cover

Included in your private health insurance plan:

  • Video GP appointments
    Speak to a Vitality GP online within 48 hours.
  • Mental health support
    Up to 8 sessions of cognitive behavioural therapy (CBT) or counselling.
  • Cancer treatment
    The latest treatment and technologies. Plus assessments and preventative support.
  • Private physiotherapy
    Up to 6 physiotherapy sessions within our Priority Physio network.

Boost your cover

Enhance your cover. Choose from our cover options:

  • Out-patient cover
    This pays for tests, consultations and treatment - when you don't need to be admitted to hospital. Plus get unlimited physio through our Priority Physio network.
  • Mental health cover
    Get unlimited cognitive behavioural therapy (CBT) or counselling sessions.
  • Optical, dental and hearing cover
    Helps pay for eye, dental and hearing care.
  • Worldwide travel cover
    Health insurance for emergency medical care while you're abroad.
  • Therapies Cover
    Covers alternative therapies like acupuncture.

Important plan documents

To see the full list of exclusions and what’s included in your cover, take a look through our health insurance plan documents:

1From £1.45 a day price is based on the following criteria: a 35-year-old, based in Peterborough.
Plan start date 1st February 2024. Full medical underwriting, Consultant Select hospital option. £250 excess and £500 Out-patient benefit and includes Insurance Premium Tax (IPT).

Join 1.7 million Vitality members

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  • 5 Star Defaqto rating logo. It reads 'Expert rated' and shows the category Private Medical Insurance, and the year 2024.
  • 5-Star-2024_PMI_COLOUR

See what our members think

Don't just take our word for it

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How much does private health insurance cost?

Our health insurance starts from £1.45 a day 1. How much you pay depends on:

  • Your age and where you live
  • Your current health and wellbeing - like if you smoke
  • If you want to add dependents to your plan
  • How you choose to customise your cover.
Get a quote online to see how much Vitality health insurance could cost you. It takes 2 minutes.

Your plan, your way with Vitality

Customise your cover to meet your needs and budget. You can:

Choose where you're treated

Select which hospitals you'd like to be treated at.

Set your excess

Choose how much you want to pay per claim each plan year.

Boost your cover

You can enhance your existing cover and add on cover options.

Get active

The healthier you are, the lower your premiums could be.

Ready to get started?

Speak to an expert adviser on 0808 291 6913* or get a quote online.

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

How private health insurance works

You can do it all on your phone

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Pay monthly

You can pay your monthly premium by Direct Debit

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See a GP if you're unwell

Or you can refer yourself to us for certain conditions.

Star users

Make a claim

If you need to see a specialist or get treatment, you can make a claim online.


We pay the bill

If your claim is approved, you can receive treatment - and we'll pay the bill*

*In some circumstances, you may need to pay your excess

Health insurance FAQs