Private health insurance
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Top-rated cover for when you need it most
What is health insurance and do you need it?
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 health insurance if you want to:
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Avoid lengthy GP and hospital waiting lists
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Get diagnosed and treated quickly
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Access specialist drugs and treatments
Why Choose Vitality 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
Save hundreds on top brands
Enjoy benefits and discounts on your favourite brands. Earn rewards when you get active
Get up to 2 months' premiums back
Earn money back when you get active on a new health or life insurance plan. Qualifying plans only. Maximum payment applies to Life plans, minimum monthly premiums, terms and conditions apply. Offer running 1 July to 30 September 2022.
Everything was in hand
At just 35, Felicity found a lump in her breast and went straight to her GP. She needed to see a specialist immediately so contacted Vitality and saw one within an hour. Here's the rest of the story and how core cover helped her through.
Earn rewards for being healthy
It's easy. Buy a health insurance plan. Get active. Earn points. Get great rewards.
What's included in our core cover
Optional extras
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
Some examples of exclusions include:
Long-term conditions
Like diabetes and asthma, which require routine treatment
Pre-existing conditions
Conditions you have before you buy your plan
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 health insurance work?
You can do it all on your phone.
How much does 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.
How to claim on your health insurance
Feel unwell or developed a condition?
Find out what you need to do to make a claim on your health insurance.
