Skip to Content

Your questions answered

How much health insurance costs and how you get it?

How do I buy private medical insurance?

There are three ways to get our health cover: You can apply online which is a totally secure process; you can call 0333 331 4211; or you can talk to an independent financial adviser.

To apply online is a three-step process: first, you need to give us your personal details; second, pick your level of cover; third, answer some basic questions about your medical history.

If you don’t have any pre-existing medical conditions, the only other thing you then need to do is set up a payment method and your cover can start.

If you do have a pre-existing condition, you’ll need to speak to our underwriting team on 0808 252 5548 and give them details. They’ll give you a quote based on the type and severity of your condition. Alternatively, you can choose our moratorium underwriting option, which won’t cover you for any conditions that have been pre-existing for the previous five years. That’s unless after your cover has started, you go for two continuous years without having any treatment, medication or advice for pre-existing conditions or any directly related conditions.

If you apply over the phone or through an independent financial adviser, the information you’ll need to provide will be similar to applying online.

Is it cheaper the more people you have on a plan?
No, the more people who are covered, the higher the premium we will charge. 
How can I reduce my premium?
All our plans start with Core Cover. You have a few ways to control your costs: you can choose our Local hospital list, let a Vitality GP decide where you’re treated; you can pick a higher plan excess or change your underwriting option. If you stay healthy and don’t claim, you’ll also get a no-claims discount up to 80%.
Will my premium go up every year?

That depends. As medical technology advances and new treatments and drugs are introduced, this can have an effect on the cost of healthcare. Also, as you get older, you’re more likely to need medical treatment, so premiums can also rise with age.

However, if you don’t claim and your Vitality status is Silver, Gold or Platinum, your no-claims discount can be up to 80%.

There are also other ways to keep your premiums lower with us: you can let a Vitality GP decide where you’re treated; you can choose a local hospital list; you can pick a higher plan excess; or you can change your underwriting option.

Does it affect my cover or renewal premium if I claim?

If you make a claim, this may reduce the amount of cover available to you in the remainder of the plan year. If you renew your plan, your cover limits will go back to their full level at the beginning of the following plan year.

Making a claim may also affect your renewal premium for the following plan year.

How do I start my plan?
Once you’ve set up a Direct Debit, you’ll be covered from your plan start date. We’ll send you a welcome pack that includes your certificate of insurance and details of how to register on the Member Zone, as well as how to start enjoying your rewards.
What happens when my plan comes up for renewal?
When your renewal date approaches, we’ll send you renewal documents. If you want to carry on with your cover, you don’t need to do anything.
What do I do if I'm leaving my company plan but want to keep my cover?
Providing you tell us within 30 days of leaving your company, you may be able to keep an equivalent level of cover on an individual basis, as long as you’re aged 65 or under and were insured under your company plan for at least two continuous years.  This can include cover with a previous insurer if your company switched to us. Contact us to find out more.
Can I cancel my plan?

You have 14 days from your plan start date or from when you receive your plan documents, whichever is later, to cancel your plan and receive a full refund of your premium (as long as you’ve not already made a claim).

You can cancel your plan at any time, but once your cover ends we won’t pay for any more treatment you have after that date even if: it’s a continuation of treatment that started while you were still covered by the plan; or if we authorised it before your plan ended, but the treatment is due to take place after your cover ends.

Computer icon Ready to apply online?

Award-winning health insurance from £1.10 per day.

Get a quote
Phone icon Call us on 0800 779 955

Or ask for a callback and we’ll get in touch at a time to suit you.
Lines are open:
Monday to Thursday: 9am – 7pm
Friday: 9am – 5pm
Saturday: 9.30am – 2pm

Request a callback

Where to next?

  • Why should I choose health insurance?

    Medical bag icon

  • What is health insurance and how does it work?

    Presentation file icon

  • What to consider before buying health insurance

    Numbered list icon

  • Why should I choose VitalityHealth?

    Pointer help icon