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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 tailor your cover with a health and life insurance plan from £1.421 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 0808 273 2371 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. Private medical insurance works alongside the NHS. It gives you more choice about who treats you. Health insurance also includes seeing a private GP, mental health support and private physiotherapy.

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.
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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 boost your rewards and benefits when you buy a qualifying health insurance and life insurance plan. 
Explore all partners and rewards
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Other individual insurance options

  • Income protection insurance

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

    More on income protection insurance

  • Serious illness cover

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    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.

    More on serious illness cover

  • Advanced cancer cover

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

    More on advanced cancer cover

  • Mental health support

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    Included as standard, you get the Headspace app, 8 talking therapy sessions, treatment and support for more serious conditions.

    More on mental health support
Ready to get a quote?

To get a health and life insurance quote, call us on 0808 271 8838, or get a callback.

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How much health and life insurance cover do you need?

Call us on 0808 273 2371 to get unbiased, expert advice.

Get a callback

Individual health and life insurance FAQs

Are life insurance and health Insurance the same?

No, life insurance and health insurance aren’t the same. Life insurance is a policy that protects your loved ones 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.

Can I get a combined health and life insurance policy?

Yes, you can get a health and life insurance policy with Vitality.

Is it cheaper to take out both health and life insurance 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.

Is it worth getting both health and life insurance?

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.

1 Health insurance minimum daily premium £1.45*
Life insurance minimum daily premium £0.17
Premiums are paid monthly.

*Price is based on a 35-year-old living in Peterborough, plan starting 01.02.2024, with Consultant Select hospital option, Full Medical Underwriting, plan excess of £250, and £500 Out-patient benefit. Includes Insurance Premium Tax.