Skip to Content

Health and life insurance for individuals

Protect your health and finances’ with award-winning cover.

Plan for tomorrow with health and life insurance

Wherever you are in life, a little forward planning can make a huge difference. You can ensure you’re covered for any unexpected costs with a health and life insurance plan from £1.411 a day. This would help you pay for things like private medical bills, loss of income if you couldn't work, and mortgage repayments if you became ill.
Get a health and life insurance quote

Call us on 0161 974 2517 to speak to one of our financial advisers, or get a callback. 

What is the difference between life insurance and health insurance?

Health insurance gives you access to private medical specialists and facilities for treatment. You can avoid NHS waiting lists, and have more choice about who treats you.

Life insurance can help in a few ways. It depends on your individual needs and what plan you buy. 
  • If you have a mortgage, life insurance could cover the repayments if something unexpected happened
  • If you get sick and can’t work, you would receive a lump sum payout, or a monthly income to help cover your outgoings
  • If you pass away or become terminally ill, you and your family would receive a payout.
     
lady smiling in a park

Discounts and rewards with our individual insurance plans

With an eligible plan, you could get Apple Watch, Virgin Active, Caffè Nero, Garmin and more. Plus, you could get even bigger benefits when you buy a joint health and life plan. 
relaxing on the beach

Other individual insurance options

  • Income protection insurance

    Income protection pays you a monthly tax-free income if you get sick or injured and can't work.

  • Serious illness cover

    If you develop a serious illness, serious illness cover pays out a tax-free lump sum. This will help with your finances while you recover.

  • Advanced cancer cover

    If you're diagnosed with cancer, your medical costs will be covered in full. Included in all our health insurance plans. 

  • Mental health support

    From our Healthy Mind programme, to talking therapy, and treatment for more serious conditions.

Ready to get a quote?

To get a joint health and life insurance quote, call us on 0800 779 955, or get a callback.

Get a call back
How much health and life insurance cover do you need?

Call us on 0800 779 955 to get unbiased, expert advice.

Get a call back

Individual health and life insurance FAQs

No, life insurance and health insurance aren’t the same. Life insurance is a policy that protects your family’s future financial security. It pays out a lump sum to them when you pass away. Health insurance provides you with fast access to private healthcare and covers the cost of your treatment.
Yes, you can get a joint health and life insurance policy with Vitality.
Taking out both health and life insurance together costs the same as having two separate plans. But, there are boosted benefits to having both - with a qualifying plan, you could get Vitality Pink.
It could be worth buying health and life insurance, but this depends on your individual needs. For example, if you don’t have a partner, children, or a mortgage, you may not need life insurance. But it could be worth considering health insurance. This would give you fast access to care and private medical facilities.
Health insurance minimum daily premium £1.15 
Life insurance minimum daily premium £0.26
Premiums are paid monthly.