99.7% of life cover claims paid in 2022 (Vitality Claims and Benefits Report, 2023)
What is private medical insurance and do you need it?
Health insurance gives you access to private healthcare and helps cover the cost. This can be 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
Need some advice?
Why Choose Vitality private medical insurance
Stay in control of your health. Get rewarded for it too.
Get treatment and support
Fast access to mental health, physiotherapy
Manage your health yourself
Healthcare in the palm of your hand through
Save on top brands
Enjoy discounts on your favourite brands.
How does private health insurance work?
You can do it all on your phone.
1. See a GP or contact us
This can be an NHS or private GP like Vitality GP. For some conditions you can refer directly to us
2. Make a claim
If you need to see a specialist or get treatment, you can make a claim online
3. We pay the bill
Once approved, get treatment and we'll pay the bill. In some cases, you may need to pay your excess
What's included in our private medical insurance
What's covered
Diagnosis
In-patient and day-patient tests and scans
Mental health support
Online support and talking therapies
Cancer treatment
Support through every stage
GP video appointments
Speak to a doctor within 48 hours
Menopause support
A range of dedicated support services
Private hospital treatment
Includes surgeon and anaesthetist fees
Optional extras
Enhance your cover to suit your needs
Mental Health Cover
Extra cover for mental health conditions
Optical, Dental and Hearing
Helps pay for eye, dental, and hearing care
Out-Patient Cover
Includes physiotherapy
Choose where you're treated
Choose a hospital list or our recommended panel
Therapies Cover
Covers alternative treatments like acupuncture
Worldwide Travel Cover
Cover while you're abroad
We don't cover
Long-term conditions
Like diabetes and asthma
Pre-existing conditions
Conditions you have before you buy your plan
How does health insurance work?
You can do it all on your phone.
How much does private health insurance cost?
Our health insurance starts from £1.25 a day. How much you pay is mostly based on your:
- Age
- Where you live
- Current health and wellbeing – like if you smoke
- What your chosen excess is – the higher your excess, the lower your premium
- Cover options – if you opt for additional cover
- If you add dependants to your plan
- Hospital access choice – where you want to be treated.
Get a quote online - tailored to your needs. Or speak to our expert team.
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Age
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Current health
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What your chosen excess is
The higher your excess, the lower your premium.
