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Vitality: Health insurance reviews

Name: Health insurance
Rating: 2.31 (228 reviews)

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2.31

Based on 228 reviews, last reviewed 27th Oct 2026

400% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

11%

86%

Latest highest rating:

4

Healthy lifestyle rewards I have never made a claim but the renewal process is a good one.I like the rewards for keeping healthy Reviewed on: 13th October 2026

Latest lowest rating:

1

Unexpected medical costs despite prior authorisation Disappointing experience with Vitality – unexpected medical costs despite prior authorisation I have been extremely disappointed with my experience w... Read more Reviewed on: 27th October 2026

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About this product

Vitality private health insurance gives you access to private healthcare and helps you cover the cost.

Access specialist treatment including mental health support, cancer care and physiotherapy. With Vitality health insurance, you choose where you’re treated and you can use your plan alongside NHS care.

Vitality health insurance reviews help you find out what it’s really like to be a customer. If you’ve used Vitality before, you can also leave a review and share your experience.

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Vitality Health insurance reviews (228)

Unexpected medical costs despite prior authorisation

Disappointing experience with Vitality – unexpected medical costs despite prior authorisation I have been extremely disappointed with my experience with VitalityHealth. I sought authorisation for cardiology investigations relating to palpitations and received a letter confirming approval for consultations and diagnostic tests, including an ECG and echocardiogram. Although the letter referred to a £1,000 outpatient benefit limit, I was subsequently faced with unexpected out-of-pocket costs when the provider's charges exceeded the available benefit. My main concern is not simply that my policy has a financial limit. It is that I relied on Vitality's treatment authorisation without feeling that the potential financial implications had been made sufficiently clear. I only discovered the extent of the shortfall after the treatment had taken place. The situation became even more frustrating when I needed a follow-up consultation to review my results, only to be informed that my outpatient benefit had been exhausted and further outpatient treatment would not be covered until the next renewal date. I raised a formal complaint and provided further explanations of my concerns. Unfortunately, Vitality rejected my complaint, maintaining that the limit had been disclosed and that I should have discussed the anticipated costs directly with the provider beforehand. I understand that insurance policies have limits and exclusions. However, I believe customers should be able to understand the practical financial implications of an authorisation before proceeding with medical investigations, rather than discovering significant additional costs afterwards. I have now referred the matter to the Financial Ombudsman Service for an independent review. Overall, this experience has left me disappointed with the clarity of communication and the way my concerns were handled. I hope Vitality takes this feedback seriously and improves how it explains potential out-of-pocket costs to members before authorised treatment takes place. Reviewed on: 27th October 2026

Healthy lifestyle rewards

I have never made a claim but the renewal process is a good one.I like the rewards for keeping healthy Reviewed on: 13th October 2026

Good app and easy to deal with.

Good app and easy to deal with. Variety of options how to stay fit and track your health. Reviewed on: 3rd September 2026

Weekly awards programme is a great incentive to stay...

Weekly awards programme is a great incentive to stay healthy Reviewed on: 21st August 2026

Great value for money

The health insurance from vitality offers great value for money offering protection to myself and family when it matters most, especially when in emergency situations Reviewed on: 20th August 2026

They have been really efficient with my claims, cust...

They have been really efficient with my claims, customer service is really quick and easy Reviewed on: 20th August 2026

Not impressed

Despite confirmation from the consultant of a new condition, and Vitality agreeing to pay for the appointment, I have just been informed that they made a mistake with giving authorisation and therefore, although I have seen a consultant would like me to not continue with my treatment. Reviewed on: 11th August 2026

Pointless cover, awful service when you really need it!

I pay for a high level of cover as I wish to have the quickest access to care when my family needs it. When the need arise I paid for a GP referral through vitality - the GP identified the need for specialist advice but vitality rejected their own GP referral since that Gp didn’t have access to the last 5 years of patient records (obviously!). I’m left to conclude that vitality are only interested in gate keeping to prevent patients accessing care rather than providing proper health cover - I will be cancelling my very expensive cover and taking my insurance needs to a better provider ( maybe more focus on providing health care less on the pointless gimmicks and ‘benefits’ eh?) Reviewed on: 20th July 2026

Will not consider claims without GP referral letter.

Will not consider claims without GP referral letter. As there is normally a 6 week wait to see a GP, this somewhat defeats the object of private health insurance Reviewed on: 11th April 2026

Don't bother unless you're very patient

Staff are fine but app is glitchy and it takes forever for their stupid automated response to put you through to the right place, and there are frequently long hold times. Fine if you're active and want some lifestyle perks, but if you're actually looking for health insurance you'd get better cover for less elsewhere, without all the frustration. Reviewed on: 9th December 2025

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