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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

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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 is private health insurance?

Out-Patient Cover

Includes extra physiotherapy, specialist consultations and diagnostic tests 

Choose where you're treated

Choose a hospital list or our recommended panel of specialists

Therapies Cover

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

Exclusions include:

Long-term conditions

Like diabetes and asthma, which require routine treatment

Pre-existing conditions

Conditions you have before you buy your plan

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Need some advice?

Call us on 0808 273 2371

Request a call back

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

Weekly rewards

Save hundreds on top brands

Enjoy benefits and discounts on your favourite brands. Earn rewards when you get active

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Important plan documents

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

Health insurance plan summary (IPID) (PDF 334KB)

Health insurance plan terms and conditions (PDF 1,961KB)

How does private health insurance work?

You can do it all on your phone.

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Video GP consultation on a mobile
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1 Pay monthly

You can pay this by Direct Debit.

Video GP consultation on a mobile

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.

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3 Make a claim

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

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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.

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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:

  • Age
  • Current health
  • What your chosen excess is.

The higher your excess, the lower your premium.

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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.

Health insurance FAQs