Vitality health insurance reviewed: core cover, hospital lists, excess, ABC renewal pricing and the rewards programme, sourced from Vitality's own pages.
Vitality Health Insurance Review — from £44/mo
Vitality UK private medical insurance review — cover, hospital list, underwriting, claims and pricing from PremierPMI.
What Vitality cover includes
Health insurance with core cancer cover, Talking Therapies and a rewards programme that can lower claims-related renewal increases.
Vitality's core health insurance covers private hospital treatment with consultant fees paid in full when you use a consultant Vitality recognises, tests and scans when you're admitted, cancer cover from diagnosis to recovery, up to eight Talking Therapies sessions and up to six self-referred physio sessions in its Priority Physio network. You then choose a hospital option (Consultant Select, Countrywide or London Care), an excess from zero to £1,000, and options such as out-patient, mental health, therapies, optical, dental and hearing, and travel cover. Renewal prices follow Vitality's ABC Pricing: age, base medical inflation and claims, with a smaller claims-related increase for members on a higher Vitality status. The policy is underwritten by Vitality Health Limited, FCA/PRA FRN 400057, registered office 3 More London Riverside, London SE1 2AQ (FCA Financial Services Register, checked 15 Oct 2026). Vitality's wider rewards programme, run through its app, offers discounts with partners such as Garmin, Virgin Active and an Apple Watch offer; Vitality says it returned £108 million in value to members in 2025 (Vitality, rewards, vitality.co.uk/rewards, checked 15 Oct 2026). Vitality scores 4.2 out of 5 on our published method.
Vitality at a glance
- Established: Incorporated 20 February 2004 as PAKRA Limited; renamed Prudential Health Limited in September 2004 and Vitality Health Limited in November 2014 (Companies House, company number 05051253, checked 15 Oct 2026).
- Head office: 3 More London Riverside, London, SE1 2AQ (Companies House, company number 05051253, checked 15 Oct 2026; Vitality, legal and security, vitality.co.uk/legal, checked 15 Oct 2026).
- Regulation: VitalityHealth is a trading name of Vitality Health Limited (company number 05051253) and Vitality Corporate Services Limited (company number 05933141). Vitality Health Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 400057. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority, FRN 461107 (FCA Financial Services Register, register.fca.org.uk, checked 15 Oct 2026; Vitality, legal and security, vitality.co.uk/legal, checked 15 Oct 2026).
- Best suited to: Cancer cover in the core plan; Talking Therapies without a GP referral; People who will use the rewards programme
- Indicative starting premium: £44/mo
- PremierPMI broker rating: 4.2 out of 5
- Core cover: Hospital treatment, cancer cover, 8 Talking Therapies sessions, 6 self-referred physio sessions, Vitality GP (checked 15 Oct 2026)
- Hospital options: Consultant Select, Countrywide or London Care
- Excess: Zero, £100, £250, £500 or £1,000; per plan year or per claim
- NHS cash benefit: £250 a night (up to £2,000 a year); £125 a day-patient day (up to £500 a year)
- Vitality published price example: £44 a month: 30-year-old in Peterborough, plan start September 2025, full medical underwriting, Consultant Select, £250 excess, £500 out-patient limit, including Insurance Premium Tax (Vitality, checked 15 Oct 2026)
- Legal entity and regulator: Vitality Health Limited, FCA/PRA FRN 400057; Vitality Corporate Services Limited (intermediary), FCA FRN 461107 (FCA Financial Services Register, checked 15 Oct 2026)
- Incorporated / registered office: 20 February 2004, company number 05051253; 3 More London Riverside, London SE1 2AQ (Companies House, checked 15 Oct 2026)
- Rewards programme: Discounts with partners such as Garmin (up to 40% off devices), Virgin Active (up to 50% off monthly membership) and an Apple Watch offer; Vitality reports £108m in member value returned in 2025 (Vitality rewards pages, checked 15 Oct 2026)
Vitality plan tiers compared
| Plan | Positioning | Typical use / limits |
|---|---|---|
| Core cover | Hospital treatment, cancer cover, Talking Therapies, Priority Physio and Vitality GP. | Included in every plan. |
| Out-patient cover | Full cover or a limit of £500 to £1,500; MRI, CT and PET scans always covered in full. | Clients who want diagnosis without being admitted. |
| Mental health cover | Full Talking Therapies, up to £1,500 out-patient, 28 days in-patient and 28 days day-patient. | Clients for whom mental health cover is a priority. |
| Health Lite | A separate, lower-cost Vitality plan that still qualifies for the rewards programme, including Garmin device discounts. | Ask us to compare it with the main plan. |
Vitality hospital access and network
Without a hospital list (Consultant Select), Vitality finds care for you and offers up to 10 consultants. Countrywide covers most private hospitals and NHS private patient units outside central London and a limited central London choice, including The Cleveland Clinic London, The London Clinic, St John & Elizabeth Hospital and King Edward VII's Hospital. London Care covers all private hospitals and NHS private patient units in the UK. Vitality does not publish hospital counts, so we check your hospital in its finder at quote.
Underwriting basis
- Full medical underwriting — used in Vitality's published price example; you disclose your history up front and exclusions are confirmed before cover starts (Vitality, underwriting pages, checked 15 Oct 2026).
- Other underwriting options such as moratorium are not set out on the Vitality pages we checked; confirm what's available at quote.
- Switching to Vitality: a switching discount is available depending on lifestyle and medical history, with terms and conditions applying (Vitality, switch to Vitality, vitality.co.uk/health-insurance/switching, checked 15 Oct 2026).
- Who can apply: adults aged 18 to 79 at the plan start date (Vitality, switch to Vitality, checked 15 Oct 2026).
Indicative Vitality premiums by age
Illustrative desk figures, not quotes — every premium is individually underwritten.
Making a claim
Typical pre-authorisation turnaround: Start your claim online in Care Hub, or speak to a Vitality GP first. App: Vitality app and Care Hub. Escalation route: If a claim stalls, we contact Vitality on your behalf and keep you updated..
- Start and manage claims online through Care Hub.
- Vitality GP video appointments.
- Self-referral for physiotherapy and mental health support.
Cover detail our brokers check first
- Mental health: Core: up to eight Talking Therapies sessions without a GP referral. Optional mental health cover adds full Talking Therapies, up to £1,500 out-patient and 28 days each of in-patient and day-patient treatment, with limits restored after 56 days without in-patient or day-patient treatment (Vitality, customise your cover, vitality.co.uk/health-insurance/cover-options, checked 15 Oct 2026).
- Cancer pathway: Core cancer cover: in-patient and day-patient consultant and anaesthetist fees in full for all cancers, chemotherapy, radiotherapy and biological therapy, and 12 months of Cancer Nurse Specialist support, plus risk assessments for five common cancers and a discounted Check4Cancer screening depending on age and risk (Vitality, cancer cover, vitality.co.uk/health-insurance/core-cover/cancer, checked 15 Oct 2026).
- Digital GP: Vitality GP private video appointments, booked and managed online; face-to-face GP visits at £20 each in select locations on the Countrywide and London Care hospital lists (Vitality, hospital lists, vitality.co.uk/health-insurance/core-cover/in-patient, checked 15 Oct 2026).
- Dental & optical: Optional optical, dental and hearing cover, including emergency dental treatment and hygiene appointments (Vitality, customise your cover, vitality.co.uk/health-insurance/cover-options, checked 15 Oct 2026).
- Family options: Adults aged 18 to 79 at the start date can take a plan; dependants can be added (Vitality, switch to Vitality, vitality.co.uk/health-insurance/switching, checked 15 Oct 2026).
- International cover: Optional worldwide travel cover: emergency medical treatment abroad and cancellation cover (Vitality, customise your cover, vitality.co.uk/health-insurance/cover-options, checked 15 Oct 2026).
Where Vitality stands out
- Cancer cover is in the core plan, with 12 months of Cancer Nurse Specialist support.
- Up to eight Talking Therapies sessions without a GP referral, in core cover.
- Out-patient limits still cover MRI, CT and PET scans in full.
- Mental health limits are restored after 56 days without in-patient or day-patient treatment.
- A rewards programme with partner discounts, including up to 40% off Garmin devices and up to 50% off Virgin Active membership, plus an Apple Watch offer on a 0% APR credit agreement, subject to eligibility and a credit check (Vitality rewards pages, checked 15 Oct 2026).
Watch-outs before you buy
- Consultant fees are paid in full only with a consultant Vitality recognises.
- Physio outside the Priority Physio network is paid up to £35 a session, taken from your out-patient limit.
- Vitality does not publish the size of its renewal adjustments.
- Rewards are not guaranteed for the life of the policy, depend on staying active and linking a device, and can change; we don't put a cash value on them when comparing providers.
Switching to Vitality
| Switching from | What to check |
|---|---|
| Any UK insurer | We confirm with Vitality how your existing exclusions will be treated before you cancel your current policy. |
| AXA | AXA uses a 17-level no-claims discount; Vitality uses ABC Pricing linked to claims and your Vitality status. Compare how each would treat a claim at renewal. |
| Bupa | Check your hospital is on Vitality's Countrywide or London Care list before switching (Vitality, private hospital treatment, vitality.co.uk/health-insurance/core-cover/in-patient, checked 15 Oct 2026). |
Vitality for businesses and groups
| Company size | Positioning | Broker note |
|---|---|---|
| Sole trader / director-only | Vitality priced as a personal PMI policy paid via the limited company where allowable — treated as a P11D benefit in kind at HMRC's discretion. | For most single-director firms we place personal cover and route the invoice through the company. Speak to your accountant on the BIK treatment. |
| 3–20 lives (small SME) | Vitality group scheme — one master policy, one renewal date, medical history disregarded (MHD) usually available at 5+ lives. | This is the sweet spot for growing businesses. MHD from day one removes the biggest friction point for new hires. |
| 20–500 lives (mid-market) | Vitality corporate — bespoke plan design, dedicated account manager, wellness and claims MI reporting typically included. | PremierPMI runs a full tender at renewal — we do not accept 'roll the incumbent' pricing without a market check. |
PremierPMI broker desk notes
- We compare Vitality's price with and without a hospital list, because the published example uses Consultant Select.
- We ask clients how much the rewards programme is actually worth to them before weighing it against a cheaper no-frills policy from another insurer.
Vitality compared with other insurers
| Versus | Broker verdict |
|---|---|
| AXA | AXA sells cancer cover as an option; Vitality includes it in core cover. |
| Aviva | Compare both on hospital list and out-patient limits at quote. |
| Bupa | Check your hospital and consultant on both before choosing. |
Broker verdict
Vitality is a strong choice if you want cancer cover and Talking Therapies in the core plan and will use the rewards programme. Check the hospital option carefully: the cheapest price uses Consultant Select, where Vitality chooses the hospital.
Best for: Core cancer cover and Talking Therapies, plus rewards.
Vitality scores 4.2 out of 5 in PremierPMI's 2026 assessment. Its core cover includes private hospital treatment, cancer cover and up to eight Talking Therapies sessions, and its published example price is £44 a month for a 30-year-old in Peterborough (Vitality, health insurance, vitality.co.uk/health-insurance, checked 15 Oct 2026).
Common questions
How much does Vitality health insurance cost?
Vitality's published example is £44 a month for a 30-year-old in Peterborough, plan start September 2025, full medical underwriting, Consultant Select, £250 excess and a £500 out-patient limit, including Insurance Premium Tax. Your price depends on your age, excess, cover and claims.
Does Vitality cover cancer?
Yes, in core cover. Vitality pays all in-patient and day-patient consultant and anaesthetist fees in full for all cancers, plus chemotherapy, radiotherapy and biological therapy, with 12 months of Cancer Nurse Specialist support.
What excess can I choose with Vitality?
Zero, £100, £250, £500 or £1,000, paid once per plan year or each time you claim.
Which hospitals can I use?
With Consultant Select, Vitality chooses the hospital and offers up to 10 consultants. Countrywide covers most hospitals outside central London; London Care covers all private hospitals and NHS private patient units in the UK.
Who is the insurer behind Vitality health insurance?
VitalityHealth plans are underwritten by Vitality Health Limited, company number 05051253, incorporated on 20 February 2004 and registered at 3 More London Riverside, London SE1 2AQ. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under FRN 400057 (Companies House and FCA Financial Services Register, checked 15 Oct 2026).
What is the Vitality rewards programme?
Eligible members can earn Vitality points for activity such as steps, gym visits and parkrun, and redeem them for discounts with partners including Garmin, Virgin Active, Amazon and an Apple Watch offer. Vitality reports that it returned £108 million in value to members in 2025. Rewards and eligibility criteria change, so we check what's currently available before you rely on them (Vitality, rewards, vitality.co.uk/rewards, checked 15 Oct 2026).
Does Vitality cover mental health?
Core cover includes up to eight Talking Therapies sessions, such as CBT and counselling, without a GP referral. Optional mental health cover adds full Talking Therapies, up to £1,500 of out-patient treatment and 28 days each of in-patient and day-patient treatment (Vitality, customise your cover, vitality.co.uk/health-insurance/cover-options, checked 15 Oct 2026).
How does Vitality decide my renewal price?
Vitality uses ABC Pricing: your age, base inflation of medical costs, and any claims you've made. The higher your Vitality status, the lower any claims-related increase (Vitality, switch to Vitality, vitality.co.uk/health-insurance/switching, checked 15 Oct 2026).
What rewards does Vitality offer?
Eligible members can get discounts with partners such as up to 40% off Garmin devices, up to 50% off a Virgin Active monthly membership, and an Apple Watch on a 0% APR credit agreement with reduced monthly payments for staying active, subject to a credit check (Vitality, Apple Watch offer, vitality.co.uk/rewards/partners/active-rewards/apple-watch, checked 15 Oct 2026; Vitality, Garmin, vitality.co.uk/rewards/partners/activity-tracking/garmin, checked 15 Oct 2026; Vitality, Virgin Active, vitality.co.uk/rewards/partners/fitness/virgin-active, checked 15 Oct 2026). Vitality says it returned £108 million in value to members in 2025 through its rewards programme (Vitality, rewards, vitality.co.uk/rewards, checked 15 Oct 2026). Rewards change often and are not guaranteed; we don't put a cash value on them.
Who underwrites Vitality health insurance?
Vitality health insurance plans are underwritten by Vitality Health Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 400057) (FCA Financial Services Register, register.fca.org.uk, checked 15 Oct 2026; Vitality, legal and security, vitality.co.uk/legal, checked 15 Oct 2026).
What does Vitality health insurance cover?
Vitality's core health insurance covers private hospital treatment, cancer care, up to eight Talking Therapies sessions and up to six self-referred physio sessions, with online GP access. You then choose a hospital list, an excess and optional extras such as out-patient, mental health and therapies cover. Vitality scores 4.2 out of 5 in our 2026 assessment.
For clients in central London we check whether the Countrywide list includes their preferred hospital, because Vitality's London Care list is the one that adds all private hospitals in the UK.
- In-patient and day-patient consultant fees are paid in full, as long as your consultant is recognised by Vitality (Vitality, checked 15 Oct 2026).
- Cancer cover pays all in-patient and day-patient consultant and anaesthetist fees in full for all cancers, with 12 months of support from a Cancer Nurse Specialist (Vitality, checked 15 Oct 2026).
- Renewal prices follow Vitality's ABC Pricing: Age, Base inflation of medical costs, and Claims, adjusted for how much you look after your health (Vitality, checked 15 Oct 2026).
What's in Vitality's core cover
Every Vitality health insurance plan includes these benefits before you add any options.
Sources: Vitality, health insurance (vitality.co.uk/health-insurance, checked 15 Oct 2026); Vitality, private hospital treatment (vitality.co.uk/health-insurance/core-cover/in-patient, checked 15 Oct 2026).
- Private hospital treatment — Hospital appointments, overnight stays and any drugs you need while in hospital. In-patient and day-patient consultant fees paid in full with a consultant Vitality recognises.
- Tests when admitted — Full cover for diagnostic tests and scans, including MRI, CT and PET scans, when you're admitted to hospital.
- Cancer cover — Treatment from diagnosis to recovery, including chemotherapy, radiotherapy and biological therapy.
- Mental health support — Up to eight Talking Therapies sessions, such as CBT and counselling, without a GP referral.
- Physiotherapy — Self-refer for up to six sessions within Vitality's Priority Physio network.
- Vitality GP — Private GP video appointments, booked and managed online.
Vitality cover options and what each adds
Each option adds to the price. Vitality lets you add them when you build the plan.
Sources: Vitality, customise your cover (vitality.co.uk/health-insurance/cover-options, checked 15 Oct 2026); Vitality, health insurance (vitality.co.uk/health-insurance, checked 15 Oct 2026).
| Option | What Vitality publishes |
|---|---|
| Out-patient cover | Consultations, consultant appointments, tests such as pathology, ultrasound and X-rays, and physio outside the Priority Physio network. Choose full cover or a limit of £500, £750, £1,000, £1,250 or £1,500. MRI, CT and PET scans stay covered in full whatever the limit. Physio outside the network is paid up to £35 a session. |
| Mental health cover | Full cover for Talking Therapies; up to £1,500 towards out-patient treatment outside the Talking Therapies network; 28 days of in-patient and 28 days of day-patient treatment. Limits are restored after 56 days without in-patient or day-patient treatment. |
| Therapies cover | Chiropractic, osteopathy and acupuncture, plus up to two dietitian consultations. |
| Optical, dental and hearing cover | Help with eye, hearing and dental costs, including emergency dental treatment and hygiene appointments. |
| Worldwide travel cover | Emergency medical treatment abroad and cancellation cover. |
Vitality hospital lists
Without a hospital list, Vitality finds suitable care for you and offers a choice of up to 10 consultants from its approved list. You can add one of two hospital lists to choose a specific hospital.
Source: Vitality, private hospital treatment (vitality.co.uk/health-insurance/core-cover/in-patient, checked 15 Oct 2026). Hospital counts are not published on these pages; we check your hospital in Vitality's hospital finder at quote.
| Option | What Vitality publishes |
|---|---|
| Consultant Select (no hospital list) | Vitality finds suitable care and offers up to 10 consultants, including its Premier Consultants. This is the option used in Vitality's £44-a-month price example. |
| Countrywide | Most private hospitals and NHS private patient units outside central London, and a more limited choice in central London, including The Cleveland Clinic London, The London Clinic, St John & Elizabeth Hospital and King Edward VII's Hospital. Two face-to-face GP consultations at £20 each in select locations. |
| London Care | All private hospitals and NHS private patient units in the UK. Unlimited face-to-face GP consultations at £20 each in select locations. |
How the Vitality excess works
You choose the amount and how often you pay it. A higher excess lowers the premium.
Sources: Vitality, customise your cover (vitality.co.uk/health-insurance/cover-options, checked 15 Oct 2026); Vitality, health insurance excess explained (vitality.co.uk/health-insurance/guides/what-is-health-insurance-excess, checked 15 Oct 2026).
| Rule | What Vitality publishes |
|---|---|
| Amounts | Zero, £100, £250, £500 or £1,000 |
| How often | Once per person per plan year, or each time you claim |
| Worked example | Per-year excess of £500: a £5,000 treatment means you pay £500 and Vitality pays £4,500; further claims that plan year are paid in full |
| Small claims | Still claim if the treatment costs less than the excess, because the amount paid counts towards your excess |
Vitality underwriting
Vitality health insurance does not cover pre-existing conditions, meaning conditions you have before you buy the plan.
Sources: Vitality, switch to Vitality (vitality.co.uk/health-insurance/switching, checked 15 Oct 2026); Vitality, health insurance (vitality.co.uk/health-insurance, checked 15 Oct 2026).
- Full medical underwriting — Used in Vitality's published price example. You disclose your history up front and exclusions are confirmed before cover starts.
- Other underwriting options — Moratorium and switch terms are not set out on the Vitality pages we checked; we confirm what's available at quote.
- Switching to Vitality — Vitality offers a switching discount depending on lifestyle and medical history, with terms and conditions.
- Who can apply — Adults aged 18 to 79 at the plan start date.
Vitality cancer cover, item by item
Cancer cover is part of Vitality's core cover.
Source: Vitality, cancer cover (vitality.co.uk/health-insurance/core-cover/cancer, checked 15 Oct 2026). Drug limits outside hospital are not set out on this page; confirm in the policy terms.
- Consultant fees — All in-patient and day-patient consultant and anaesthetist fees covered in full for all cancers.
- Treatment — Chemotherapy, radiotherapy and biological therapy; follow-up consultations paid in full.
- Specialist nurse — 12 months of personalised support from a Cancer Nurse Specialist, and a dedicated cancer care team.
- Screening — Risk assessments for five common cancers; depending on age and risk, a discounted screening with Check4Cancer.
- Extras — Wigs and restyling up to £300; scalp cooling in full; mastectomy bras up to £200; external prostheses up to £5,000 per condition; a nurse at home for up to 14 days.
How to claim on Vitality
Vitality lets you start and manage a claim online.
Source: Vitality, health insurance (vitality.co.uk/health-insurance, checked 15 Oct 2026). Vitality's sales line is 0330 678 3326.
- 1. Speak to a Vitality GP or self-refer — Self-referral is available for things like physiotherapy and mental health.
- 2. Start the claim in Care Hub — Vitality's online claims area.
- 3. Manage the claim online — Book appointments or ask for further care.
How Vitality prices your renewal
Vitality calls this ABC Pricing. It does not use a no-claims discount scale like AXA's.
Source: Vitality, switch to Vitality (vitality.co.uk/health-insurance/switching, checked 15 Oct 2026). The size of each adjustment is not published.
| Part | What Vitality publishes |
|---|---|
| A: Age | Your price goes up slightly each year as you get older |
| B: Base inflation | Medical cost inflation |
| C: Claims | Adjusted for claims you've made; the higher your Vitality status, the lower any claims-related increase |
| Exceptions | Some benefits don't count as a claim (listed in your terms). Optical, dental and hearing and worldwide travel cover are priced separately |
Vitality cash benefits and rewards
Benefits listed with Vitality's published limits, per member, per plan year.
Sources: Vitality, private hospital treatment (vitality.co.uk/health-insurance/core-cover/in-patient, checked 15 Oct 2026); Vitality, health insurance (vitality.co.uk/health-insurance, checked 15 Oct 2026). Rewards change often; we don't put a cash value on them.
- Child payment — £100 per child when you give birth or adopt.
- Weight-loss surgery — Vitality pays 75% of the cost of surgery such as gastric bypass or banding, if you meet the criteria.
- Rewards — Discounts with partners such as Garmin (up to 40% off devices) and Virgin Active (50% off a monthly membership). Terms apply.
Using the NHS with Vitality
If you choose an NHS hospital for eligible treatment, Vitality pays you cash.
Source: Vitality, private hospital treatment (vitality.co.uk/health-insurance/core-cover/in-patient, checked 15 Oct 2026).
- NHS hospital cash benefit — Up to £250 a night for NHS in-patient stays (up to £2,000 a plan year) and £125 a day for day-patient treatment (up to £500 a plan year).
- Six-week option — Not published on the Vitality pages we checked; confirm at quote.
How PremierPMI works with you on Vitality
PremierPMI compares Vitality with the other insurers we work with and explains the trade-offs before you buy.
- Free advice — Our advice is free to you. We're paid commission by the insurer you choose, and we tell you in writing before you buy.
- Side-by-side comparison — We show the Vitality price next to other insurers' prices for similar cover, so you can compare.
- FCA regulated — PremierPMI is a trading style of Tesha Family Ltd, authorised and regulated by the Financial Conduct Authority (FRN 1029667). Companies House 11417747.
What Vitality will not cover
Vitality lists these on its pages; the full list is in the plan documents you get with a quote.
Sources: Vitality, health insurance (vitality.co.uk/health-insurance, checked 15 Oct 2026); Vitality, private hospital treatment (vitality.co.uk/health-insurance/core-cover/in-patient, checked 15 Oct 2026).
- Pre-existing conditions — Conditions you have before you buy the plan.
- Long-term treatment — Health insurance is designed for curable conditions; long-term treatment is not usually covered. Cancer is the exception: covered from diagnosis to recovery.
- Unrecognised consultants — Hospital consultant fees are paid only for consultants Vitality recognises.
- Hospitals not on your plan — You must be treated at a hospital covered by your plan.
- Personal spending — Personal costs during a hospital stay are not covered.
Vitality health plans
Vitality sells its main health insurance plan and a lower-cost Health Lite plan.
Source: Vitality, health insurance (vitality.co.uk/health-insurance, checked 15 Oct 2026). We could not find a Vitality IPID or policy terms document on its public site.
| Plan | Notes |
|---|---|
| Vitality health insurance | Core cover plus your choice of hospital list, excess and options |
| Health Lite | A separate plan with its own cover and rewards; check the details with us before comparing |
Price basis: Illustrative new-business monthly premium for a healthy non-smoker aged around 30 on the insurer's entry cover tier with a moderate excess and a mid-range hospital list. Every premium is medically underwritten — age, postcode, cover level, excess and modules all change the figure.
PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 020 4525 0884, or email contact@premierpmi.co.uk.
Ask a broker whether this insurer is the right fit for you
PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 020 4525 0884, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.
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