VitalityHealth is a UK based company specialising in private medical insurance, with over 1 million UK customers. The company is a subsidiary of Discovery Limited, and forms their UK offering alongside VitalityLife and Vitality Corporate Services.
The Vitality brand is well-known for its incentive-based model - encouraging healthy living in exchange for rewards.
Vitality was created in 2004 when Discovery and Prudential launched PruHealth to combine Prudential’s UK distribution with Discovery’s Vitality product which was already available in South Africa. In April 2010 Discovery acquired Standard Life Healthcare and merged it with PruHealth. In 2014, Discovery became the sole owner of PruHealth and rebranded to become VitalityHealth.
Vitality’s Personal Healthcare is their main health insurance policy for UK customers. The policy covers inpatient care in full and some outpatient care. There are a number of optional add on extras to enhance the policy. Vitality’s insurance rewards you for being healthy to encourage you to live a healthier life, as well as protecting you when things go wrong.
Private GP service (in person) you can see a private GP with an in-person appointment for £20 if you’ve included London Care as your hospital list.
Digital GP service Online consultations with UK-registered GPs within 48 hours with the Vitality GP app. As well as a 24/7 GP telephone line.
Healthy Living Discounts and Rewards to encourage you to stay active and healthy.
Mental Health Cover as part of your core cover - including counselling and cognitive behavioural therapy.
5-star rating
with independent rating firm Defaqto 2012 - 2024
Nine times winner
of Moneyfacts: Best Private Medical Insurance Provider
Outstanding Individual Health Insurance
Cover Customer Care Awards 2021
Over 38,000 reviews
and a Great rating on Trustpilot
Included as a base to your cover with Vitality Personal Health are the following benefits.
| Benefit | Details |
|---|---|
| In-patient and day patient treatment | Including hospital fees, consultants’ fees, diagnostic tests and MRI, CT, PET scans. |
| Vitality GP | Video consultations with a Vitality GP and 24 hour telephone access through the Vitality GP helpline. Up to £100 for investigations and private prescriptions when referred or prescribed by a Vitality GP. More on Digital GPs. |
| NHS Hospital Cash Benefit | In-patient treatment £250 per night up to a total of £2,000, day-patient treatment £125 per day up to a total of £500. |
| Out-patient Surgery | Full cover for out-patient surgery. |
| Childbirth Cash Benefit | £100 benefit for each child (if you've had the plan for at least 10 months). |
| Home Nursing | Full cover if recommended by a consultant. |
| Private Ambulance | Full cover where medically necessary. |
| Parent Accommodation | Full cover for one parent of children under 14. |
| Oral Surgery | Full cover for specified procedures. |
| Pregnancy Complications | Full cover in specified circumstances. |
| Lifestyle Surgery | Up to 25% contribution to the cost of consultations and package treatment for specified corrective and weight loss surgeries. |
| Talking Therapies | Up to 8 sessions per plan year of Cognitive Behavioural Therapy or counselling (this benefit does not apply if Psychiatric Cover is selected). |
Additional optional extras are available to enhance your policy to suit your individual requirements:
| Optional Benefit | Details |
|---|---|
| Out-patient cover | In addition to the out-patient surgery covered in full in the core cover, you can add this benefit on to include: consultations, consultants' fees, out-of network physiotherapy (max £35 per session) and diagnostic tests such as blood tests and x-rays will be covered to the chosen cover limit. Limit options: £500, £750, £1000, £1250, £1500, full cover |
| Out-patient diagnostics | Full cover for out-patient diagnostics can be added so that out-patient diagnostic tests, such as blood tests and x-rays, are covered in full. |
| Therapies Cover | Chiropractic treatment, osteopathy, chiropody/podiatry, acupuncture, homeopathy, and two consultations with a dietician following GP or consultant referral. |
| Psychiatric Cover | In-patient, day-patient and out-patient psychiatric treatment up to 28 days per plan year. Out-patient psychiatric treatment is covered up to £1,500 within the limit, and in-network talking therapies are covered in full. |
| Cancer Cover Options | Your plan automatically includes advanced Cancer Cover within the core cover. |
| Advanced Cancer Cover | The advanced cancer cover option includes full cover for: out-patient diagnostic tests and consultations, radiotherapy, chemotherapy and follow-up consultations, biological therapies, hormone and bisphosphonate therapies, cancer surgery and reconstructive surgery, stem cell therapy, end-of-life home nursing £1,000 per day, up to 14 days per plan year. |
| Dental Cover | Cover for dental check ups and hygienist fees up to £100, dental treatment 80% of the costs up to £400, and emergency dental treatment following an accident 100% of costs up to £2,500 per claim (maximum of two claims each plan year). |
| Worldwide Travel cover | Up to £10 million cover for emergency medical expense abroad plus benefits including lost luggage and cash benefits for delayed flights. |
Like most leading insurers, Vitality health insurance is intended to cover acute conditions as opposed to chronic conditions, such as diabetes. All exclusions will be listed in your policy documents. As standard, Vitality does not cover:
In addition to your core cover Vitality provides further perks.
Vitality Personal Health policy offers the below options for how your policy is underwritten:
For more definitions of terms, please see our glossary.
Vitality offer a number of excess options you can choose for your policy. An excess is the amount you agree to pay towards a claim. The higher your chosen excess, the more your premium will reduce. The following amounts are available with Vitality:
£0, £100, £250, £500 or £1000
Vitality Personal Health offers three choices for hospital lists:
Consultant Select, Local, Countrywide, London Care
Step 1
Get an open referral from a GP
Step 2
Choose a specialist from
Step 3
Contact Vitality through Care Hub,At Vitality Health Insurance, numerous factors can influence the cost of your private health insurance.
Firstly, the pricing of your premium depends on the treatment pathway, excess, and underwriting option you choose. In addition, there are other factors that will affect the ultimate cost of your Vitality Health Insurance, including:
As well as all the above, Vitality Health Insurance offers discounts for customers who take steps to look after their health. These are managed through the Vitality Points programme – a way of tracking and measuring healthy actions and their impact. Through this programme you can lower your premiums by doing things like having a yearly health check and monitoring your daily activity.
One of the key factors that influences pricing of health insurance is the age of the applicant. This is because our likelihood of suffering from a health issue is likely to increase as we get older, resulting in higher premiums.
In addition, the factors listed above are likely to impact older people more, with higher risks of pre-existing conditions and lower activity levels. So, how much is the average cost of Vitality Health Insurance by age in 2024? See the table below for more.
| Applicants' Age | Monthly Premium |
|---|---|
| 30-years-old | £28.55 |
| 40-years-old | £35.47 |
| 50-years-old | £43.55 |
| 60-years-old | £62.55 |
| 70-years-old | £102.91 |
For young or growing families, it makes sense to apply for family private health insurance to ensure that everyone—from the youngest to the oldest—has access to prompt and effective medical treatments without overwhelming costs.
For young people, it’s also beneficial to have the management of healthcare benefits under one policy, including mental health care, therapy, and dental care for adults.
Purchasing family health insurance is a wise decision that protects the health and financial stability of your loved ones, guaranteeing that high-quality medical care is readily accessible for your partner and your children when they need it.
So, how much does Vitality Health Insurance cost for a family of three? What about a family of four? Check out the table for our averages for the year 2024.
| Applicants' Age | Monthly Premium |
|---|---|
| 30-years-old | £65.24 |
| 40-years-old | £78.70 |
| 50-years-old | £94.74 |
| 60-years-old | £132.79 |
| 70-years-old | £213.69 |
| Applicants' Age | Monthly Premium |
|---|---|
| 30-years-old | £73.44 |
| 40-years-old | £86.51 |
| 50-years-old | £102.44 |
| 60-years-old | £140.54 |
| 70-years-old | £221.62 |
Choosing to combine health insurance with your partner is a great way to ensure that you both are protected against unexpected health costs. Plus, securing a joint health insurance plan from Vitality Health Insurance might mean receiving discounts and benefits not available with individual policies.
But how much should you expect to pay for couples health insurance from Vitality Health Insurance for you and your partner? Our table below covers the average costs for couples in the year 2024.
| Applicants' Age | Monthly Premium |
|---|---|
| 30-years-old | £57.10 |
| 40-years-old | £70.94 |
| 50-years-old | £87.10 |
| 60-years-old | £125.10 |
| 70-years-old | £205.82 |
Yes! The NHS is available to all UK citizens with or without insurance. Any treatment for pre-existing and chronic conditions will still be treated by the NHS, as well as any emergencies. If you choose to have inpatient or day-patient treatment on the NHS, that you would be eligible to claim on your health insurance for, Vitality will pay you an NHS cash benefit up to £2,500 per year. For more on how health insurance works alongside the NHS, check out our blog post on the subject.
All of Vitality’s plans include Advanced Cancer Cover, paying for both your in-patient and out-patient treatment in full. Should you wish to be treated at home, Vitality will cover the costs of at-home chemotherapy as long as your consultant agrees. If your cancer is no longer treatable, Vitality will pay for home nursing to relieve your symptoms up to a monetary value.
Vitality’s excess options range from £0 to £1,000. Vitality give you the option of paying the once per year or once per claim. The excess options you choose will impact the premium you pay – the higher your excess, the lower the premium you pay will be.
Vitality’s core cover includes six therapy session per year and gives you access to 24/7 support service. Mental Health Cover can be added at an additional premium including unlimited therapy sessions, as well as inpatient, outpatient and day-patient up to 28 days per plan year.
As part of their core cover, they will pay for surgical removal of impacted teeth and jawbone cysts. Should you wish to add Dental cover to your plan, you have the option of major dental treatment or major and routine dental treatment. Major dental treatment will cover you for root canals, dentures, crown and bridges. Major and routine dental treatment will cover everything included in major dental treatment, aswell as your routine check-ups, filling and dental x-rays.
We are blessed in the UK to have a National Health Service, so health insurance is not a legal requirement. Health insurance provides the peace of mind however that should you require treatment you can access private health services and avoid NHS waiting times. We believe there is a policy to suit everyone. To read more, see our Guide to Health Insurance.
For all the Vitality Health Insurance policy Terms and Conditions see the policy documents linked below.
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