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5 Star Defaqto rated health insurance, with rewards from top brands. Find out what's included in your cover, from private hospital treatment to cancer cover and more. Plus, boost your plan with optional cover. From £1.45 a day.

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Health insurance cover

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Lite cover explained

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Health insurance cover options

Worldwide travel insurance

Optical, dental and hearing insurance

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5 Star Defaqto rated life insurance, with rewards for healthy living. From £5 a month.

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Apple Watch offer

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Get rewarded with a Vitality plan.
Explore Vitality rewards - plus discounts on top brands.

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Vitality points question?
Find out how to recover any Vitality points that are missing from your statement or submit evidence of your health appointments to get Vitality points.

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Health insurance

Get a health quote in minutes

5 Star Defaqto rated health insurance, with rewards from top brands. Find out what's included in your cover, from private hospital treatment to cancer cover and more. Plus, boost your plan with optional cover. From £1.45 a day.

Defaqto 5 star expert rated for Private Medical Insurance, Individual category. 2012-2026

Get a health quote

Health insurance cover

Health Lite

Cover options and offers

Life insurance

Get a life quote in minutes

5 Star Defaqto rated life insurance, with rewards for healthy living. From £5 a month.

Get a life quote

Life insurance cover

Cover options and offers

Rewards

Get rewarded with a Vitality plan.

Explore Vitality rewards - plus discounts on top brands.

Explore all rewards

Partners by category

Popular rewards and discounts

Support and Claims

Vitality points question?

Find out how to recover any Vitality points that are missing from your statement or submit evidence of your health appointments to get Vitality points.

Go to missing points guide Submit evidence

Product support

Useful support links

Frequently asked questions

Take a look at our FAQs, answering questions about our VitalityHealth Insurance products and features.

Questions about my plan

You can see details of your cover online, in the Member Zone. Click on the 'Health' tab and then choose 'Manage my plan'. Here you can see your membership number, plan start and renewal dates, excess, and hospital list, as well as details of what you're covered for on your Health plan.

You can also read full details of your cover in your terms and conditions, which can be found in your Messages in Member Zone.

Normally, we settle all your charges directly with your healthcare provider. However, if you have an excess on your plan, you’ll need to pay this. We’ll let you know who the excess needs to be paid to.

Your excess is dependent on your excess type (per plan year or per claim) and is applied to the first bills we receive in your plan year or at the start or renewal of each claim.

Depending on your plan, your excess will start again either from your plan renewal date or a year after your claim was registered.

Your certificate will outline if you need to pay an excess. For more information about your excess, please read the details of your plan, which you can find in the documents on your Care Hub in Member Zone. Through your Care Hub you can also track the excess amounts you have paid.

If you’ve added one of the Hospital Select options to your plan and have a specific hospital in mind, please check if it’s included on your hospital list and let us know. You can find details of your hospital list here or find your nearest hospitals using our hospital finder.

If you haven’t added Hospital Select, Consultant Select will be automatically included on your VitalityHealth plan. When you contact us to claim and you have an open referral from your GP, we can help you select a consultant on your list.

If you choose to use a hospital that’s not available under your option, you’ll need to contribute 40% of all your hospital costs, excluding consultant charges. Please consider this carefully, as this could result in a considerable cost.

Making a claim

If you need to make a claim or access care on your plan, the quickest way to do this is online, in the Care Hub.

You can start a claim, manage recent claims, or access mental health or physiotherapy support if it's included in your plan. You can read more about how to make a claim in this guide.

Alternatively, you can call our dedicated team on 0345 602 3523 or email [email protected]. Lines are open 8am-7pm, Monday to Friday, and 9am-1pm Saturdays.

In most cases, you’ll need a referral from a GP before making a claim. You can self-refer for some mental health treatments if they’re covered by your plan, so you don’t have to wait to see a GP first. If you have Out-patient Cover, you can also self-refer for physiotherapy through our network of over 2,000 physiotherapy clinics.

There are some cases where we’ll take referrals that haven’t been made by a GP. For example, referrals following a Health Assessment or treatment in accident and emergency. For certain conditions, a referral may also be made by a dentist or optician.

If you submit a claim through the Care Hub, we will either give you a decision straight away, or if we need more information, we'll let you know your next steps. For physiotherapy requests in the Care Hub, we can put you in touch with our partner Ascenti the same day.

If you call us, we try and make a decision straightaway but we may need to ask your GP for additional information, depending on your plan cover and condition.

Alternatively, if you have a video consultation with a Vitality GP and they can diagnose you on the call, the Vitality GP will arrange an onward referral and you won’t need to contact us. We may get in touch with you if we need any additional information.

Sometimes, we may need some more information or to ask your GP to complete a form. Once we’ve received this, we’ll usually let you know our decision within a maximum of three working days.

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Frequently asked questions

Questions about my plan

Where can I find details of the benefits included on my plan?

How does my excess work?

How do I know which hospitals I can have treatment at?

Making a claim

How do I make a claim?

Will I need a claim form?

Where can I find my authorisation number?

Where can I find my Vitality membership number?

Do I need to see a GP before I make a claim?

How long will it take to make a decision on a new claim?

Can a Vitality GP complete my claim form?

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