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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.45 (211 reviews)

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1.41

Based on 211 reviews, last reviewed 5th Sep 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

10%

88%

Latest highest rating:

5

Lots of perks easy to understand great app Lots of perks easy to understand great app Reviewed on: 5th September 2025

Latest lowest rating:

1

Scam - avoid at all times! Scam - avoid at all times! You cannot get any treatment as it is gatekept to the insane degree so you'd give up phoning and signing forms including wi... Read more Reviewed on: 17th June 2025

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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.

Vitality Health insurance reviews (211)

Review of the Vitality, Health insurance:

Good products

Excellent product and healthcare plan Reviewed on: 21st August 2022

Stay away from them

They lure you in with "free" apple watch or "free" coffee but they are the worst when you actually need them. They will find every way not to treat you. You will wait for ages for them to call you even if you have an appointment. If they decide to offer a diagnosis of your problem, they will send you a looooong form via email that you need to fill print, sign, take to gp, and send back to them. Absolotely rubbish! Reviewed on: 8th August 2022

If I achieve one thing today....

It's putting off anyone joining this scheme. They are completely rubbish are only interspersed in your premiums. The virtual GP Service is a complete joke. Login at 08.00 to be told it is a 2 hour wait and now still a 50 minute wait at 17.30. The whole day wasted for nothing. Previous Physio experience was rubbish too. Reviewed on: 2nd August 2022

Very poor

My goodness if only I’d seen these reviews prior to joining. I concur with every comment, all they want is your money and 100% not interested in you or your health. Thankfully now left them and all their false promises. Reviewed on: 30th July 2022

Disgusting fraudsters

Paid 6 months worth of health insurance payments, and now had a health issue so needed to start a claim to be told they have no clinics available so sent me to my NHS GP. When I complained and they agreed to refer me to a partner hospital, I have been told as I haven’t made 2 years of payments they won’t cover my claim. And even then only to the value of £1000. I am now either stuck in an NHS queue or will pay privately but have paid a fortune to vitality for absolutely nothing. Disgusting!! They should have their license removed and refund all customers they are are fraudsters and should be ashamed Reviewed on: 29th July 2022

Will look for any reason not to cover your claim

Do not give your money to Vitality, they will not help you out when you need them to. Their claim review process is designed to cause delay, and then they look for any reason not to cover your claim. Disappointing and distressing. Reviewed on: 14th July 2022

Truly awful experience

The two times I’ve tried to use their services I can honestly say the we had to give up on them and use the nhs. Paying a company money to give worse service than the nhs? What a mistake. After only six months I’ve had to complain 3 times. Reviewed on: 12th July 2022

The worst organisation I have ever dealt with.

They care nothing for their clients,using every means possible to stall progress or claims .Time scales are totally unacceptable. A disgraceful organisation. Big mistake to get involved with this third rate set up. Reviewed on: 9th July 2022

Nowhere near worth the cost

Just a heads up, if you use your VitalityHealth health insurance they'll most likely end up paying less than 10% of the cost of your treatment, or won't pay any of it. So they don't actually save you any money. They'll pay a small portion of a consultation (but you'll still have to pay a large excess ~£100), and then they'll find arbitrary reasons to not cover the actual treatment. They'll also make the whole process unclear and unnecessarily complicated. It's quicker, cheaper and more effective to just use the NHS. And VitalityHealth, please don't reply to this review... I've already spoken to your customer service team who have confirmed with me verbally and on email that they don't cover basic healthcare. PLEASE take my advice; save your money or choose a different private health insurance provider. Reviewed on: 20th June 2022

DO NOT JOIN VITALITY

In London currently every other insurance provider (AXA, Aviva,bupa,Healix,Cigna) pays roughly £50 per session. Vitality pays a maximum of £35 Per session for physiotherapy. It seems odd to me that Homeopathy (£25) is closer in price to it than Podiatry (£55)!?!? Physiotherapy is an evidence based and regulated profession! Vitality customers lose out as they can’t access their local experienced expert. Most good clinics won’t accept this low fee. And rightly so! Vitality’s bullying tactics towards clinics only encourages a race to the bottom. All they do is drive down the quality of what a vitality customers can access. In the end the customer will be left with nothing more than 20 minutes in a tiny room with an inexperienced novice new graduate physio. DO NOT JOIN VITALITY Reviewed on: 17th June 2022

Avoid Avoid Avoid Avoid Avoid

Took out a policy about 2 months ago, but recently have had chest problems and back problems, due to my weight. My bmi is 53 and my GP suggested I have a gastric operation but when I called vitality then said you need to be on insurance policy for minimum 12 months before a claim can be made and I don't meet age requirements, even though my gp said get it done. They kept me on hold for 53minutes before even answering my call. Just don't bother they even dont have a small print saying what I can and can't claim against and t&c. Just Avoid Reviewed on: 15th June 2022

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