Private health insurance
- Private healthcare from £1.25 per day
- Rated 5 Star by Defaqto
- Get healthy to earn rewards like Apple Watch
Join 1.7 million Vitality members
What is private health insurance and do you need it?
Private health insurance gives you access to private healthcare and helps cover the cost. That's anything from seeing a private doctor, to surgery and treatment.
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
What's included in private health insurance cover?
What is private health insurance?
Includes extra physiotherapy, specialist consultations and diagnostic tests
Choose where you're treated
Choose a hospital list or our recommended panel of specialists
Covers alternative treatments like acupuncture
Mental Health Cover
Extra cover for mental health conditions as a day-patient or in-patient
Optical, dental and hearing
Cover that helps pay for eye, dental, and hearing care
Worldwide Travel Cover
Cover while you're abroad
We don't cover
Like diabetes and asthma, which require routine treatment
Conditions you have before you buy your plan
Why choose Vitality private health insurance?
Stay in control of your health. Get rewarded for it too.
Private treatment and support
Fast access to mental health, physiotherapy and other specialist support
Manage your health yourself
Healthcare in the palm of your hand with features like video GP
Save hundreds on top brands
Enjoy benefits and discounts on your favourite brands. Earn rewards when you get active
Rewards? You've earned it.
Enjoy discounts from top brands. And get active to earn more great rewards
How does private health insurance work?
You can do it all on your phone.
1 Pay monthly
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 referyourself 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 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:
- Current health
- What your chosen excess is.
The higher your excess, the lower your premium.
How to claim on your private health insurance
Feel unwell or developed a condition?
Find out what you need to do to make a claim on your health insurance.