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Private health insurance

  • Private healthcare from £1.45 per day1
  • Get full cancer cover, including early detection, treatment and recovery
  • Get healthy to earn rewards like Apple Watch

Top rated insurance when you need it most

  • 5 Star Defaqto rating logo. It reads 'Expert rated' and shows the category Private Medical Insurance, and the year 2024.
  • 5-Star-2024_PMI_COLOUR
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What is private health insurance?

Private health insurance gives you fast access to private healthcare – and helps you cover the cost. You can:

  •  See a private GP 
    And avoid lengthy GP and hospital waiting lists.  
  •  Access specialist treatment 
    Including mental health support, cancer care and physiotherapy. 
  •  Get treated quickly 
    Choose where you're treated - and by whom. 
  •  Use it alongside the NHS
    Anyone with private health insurance can still use public healthcare. 

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

Long-term conditions
Like diabetes and asthma, which require routine treatment.

Pre-existing conditions
Conditions you have before you buy your plan.

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.

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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 0330 678 3326*

Call charge information

Calls to '03' numbers cost no more than a national rate call to a 01 or 02 number, whether from a mobile or a landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to '03' numbers will be included.

*Call centre opening hours: Monday to Thursday 9am - 8pm, Friday 9am - 6pm
Saturday 10am - 2pm, Sunday: 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.

Get a quote online to see how much Vitality health insurance could cost you. It takes 2 minutes.

You can save more with Vitality

Our active members benefit from up to 28% off lower healthcare costs.*

*Vitality Health Claims Insights Report, 2024

How private health insurance works

You can do it all on your phone

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Pay monthly

You can pay your monthly premium by Direct Debit

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See a GP if you're unwell

Or you can refer yourself to us for certain conditions.

Star users

Make a claim

If you need to see a specialist or get treatment, you can make a claim online.

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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

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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.

Health insurance FAQs

Learn more about health insurance?

Have a read through of our short guides.

 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).