Health insurance
- Private healthcare from as little as £1.45 per day 1
- Rated 5 Star by Defaqto
- Get healthy to earn rewards like Apple Watch
Top rated insurance when you need it most
What is private health insurance?
Health insurance is a type of insurance policy. It gives you access to private healthcare and helps cover the cost.
It's also known as private health insurance or private medical insurance (PMI).
- You pay a regular premium - and if you get unwell, your insurer can help toward the cost of private treatment.
- Consider private health insurance if you want more flexibility with where and when you're treated.
- It can also help you avoid long waits for appointments and hospital treatment.
- Anyone with private health insurance can still use public healthcare (NHS).
The benefits of Vitality private health insurance
Stay in control of your health. Get rewarded for it too.
Talk to a Vitality GP quickly
Get an appointment within 48 hours.
Access specialist treatment
Including mental health support, cancer care and physiotherapy.
Choose where you're treated
You can select which hospitals you'd like to be treated at.
Manage your health yourself
Access private healthcare simply online - you can see a GP, book treatment and more.
Save on top brands
Enjoy benefits and discounts on top brands. Earn rewards when you get active
What does Vitality health insurance cover?
Your core cover
Included in your private health insurance plan:
- Video GP appointments
Speak to a Vitality GP online within 48 hours. - Mental health support
Up to 8 sessions of cognitive behavioural therapy (CBT) or counselling. - Cancer treatment
The latest treatment and technologies. Plus assessments and preventative support. - Private physiotherapy
Up to 6 physiotherapy sessions within our Priority Physio network.
Boost your cover
Enhance your cover. Choose from our cover options:
- Out-patient cover
This pays for tests, consultations and treatment - when you don't need to be admitted to hospital. Plus get unlimited physio through our Priority Physio network. - Mental health cover
Get unlimited cognitive behavioural therapy (CBT) or counselling sessions. - Optical, dental and hearing cover
Helps pay for eye, dental and hearing care. - Worldwide travel cover
Health insurance for emergency medical care while you're abroad. - Therapies Cover
Covers alternative therapies like acupuncture.
What's not covered
Want to explore your health cover?
Learn more about your core cover and what you can add to your plan, to meet your needs and budget.
Want some help building your plan?
Our expert team can help you to get the right cover, at a price that works for you.
They'll walk you through everything you need to know and make qualified recommendations based on your exact needs.
Call us on 0808 291 6913
Lines open:
Monday to Thursday 9am-5pm, Friday 9am-6pm,
Saturday 10am-2pm. Sundays and bank holidays: Closed.
How much does private health insurance cost?
Our health insurance starts from £1.45 a day1. How much you pay depends on:
- Your age and where you live
- Your current health and wellbeing
- If you want to add dependants to your plan
- How you choose to customise your cover
You can also get more guidance on what health insurance costs. You can also get a quote online to find out what it would cost you. It only takes 2 minutes.
1From £1.45 a day price is based on the following criteria: a 35-year-old, based in Peterborough. Plan start date 1st February 2024. Full medical underwriting, Consultant Select hospital option. £250 excess and £500 Out-patient benefit and includes Insurance Premium Tax (IPT).
You can save more with Vitality
Our active members benefit from up to 46% off lower healthcare costs.*
A massive weight off my shoulders
I noticed that there were some significant changes in my vision of my left eye. I called Vitality - and got through straight away. From there it was all very quick. I saw consultant in London the next day. The day after I was being operated on. It was a massive weight off my shoulders.
*Vitality Claims Insights Report, 2022
How private health insurance works
You can do it all on your phone
Pay monthly
You can pay your monthly premium by Direct Debit
See a GP if you're unwell
Or you can refer yourself to us for certain conditions
Make a claim
If you need to see a specialist or get treatment, you can make a claim online
We pay the bill
If your claim is approved, you can receive treatment - and we'll pay the bill*
*In some circumstances, you may need to pay your excess
Earn regular rewards
Get the most out of Vitality. Earn rewards when you get active and improve your health.
Get everyday benefits like gym discounts and health checks. Plus regular rewards.
