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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.

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Vitality Health insurance reviews (211)

Absolutely useless

MIght as well stick to your GP or A&E. Their process takes forever, no-one is available quickly to authorise any care. Avoid at all cost. I've been with them for 2 years and my attempt to claim has been an awful experience. Reviewed on: 16th March 2022

Very Bad Company !

horrible critical illnes policy ! Reviewed on: 16th March 2022

Avoid

8 weeks on since my initial consultation with a Vitality GP I am still waiting on a referral, enduring one of the most complicated claims processes I can ever recall. The NHS would have seen me within 2 weeks. You simply cannot rely on these people when you need them. Reviewed on: 7th March 2022

No response to calls or emails

Do not touch this company for anything health related, the customer service is the worst I have ever known, 3 call, 20 minute + wait no answer, 4 complaint emails with no response over a 2 week period. The online portal states someone will respond within 72 hours……. Still waiting 2 weeks later. They are a complete waste of time. Reviewed on: 17th February 2022

Con artists

Don’t waste your money on vitality they DO NOT stick to their promises. They will find a item in the small print to stop them Paying out. So please go elsewhere at all costs Reviewed on: 12th February 2022

Waste of money

So many bells and whistles you would be right in thinking this company doesnt know what it is... tried to get some physio help and one would think this is a fairly standard process but it is certainly not! The one hand doesnt know what the other is doing... It is very difficult to get hold of someone and I certainly do regret not going to BUPA or one of the better known companies. Please dont use them, you will regret it!!!! Reviewed on: 8th February 2022

awful health company - don't go near

appalling customer service - waiting 90mins plus to answer phone. I've waited over 3 wks and missed an appointment as they never dealt with claim - had an ear infection...still waiting weeks later for authorisation for treatment - DO NOT TOUCH THEM Reviewed on: 5th February 2022

Don't waste your money

They do everything they can to make it difficult to impossible to claim. Even a signed and completed form from the GP isn't good enough. 30+ people in the queue when you try to contact them. Avoid at all costs! Reviewed on: 31st January 2022

Diabolical, keep away at all costs!!!

Firstly, as soon as I signed up, the promised rewards that they advertise heavily, such as free coffee, cinema tickets etc were removed and no longer available for my plan. The devices that they offer a discount for are also impossible to obtain - the site just won't allow to process due to technical errors and they refuse to process this over the phone. Secondly, they premiums increase by massive amounts, which isn't sustainable to remain a customer long term. There is no chance of negotiations either. Thirdly, the app rarely works. If you are lucky enough to log in once in a while, you will then have to chase their team to get your activity points added manually. This process takes ages due to careless and incompetent staff. And lastly, they offer an incentive that appears to be a particularly evil scam. You're meant to get a reduction of your premium if you achieve gold status with your activity points which does take a lot of effort. Guess what - 100s of people on Reddit are reporting that they could no longer see any activity on their app right before they collected enough points to get to the gold status. At this stage vitality stop getting back to you until the price is increased and they state that they can't reduce the price retrospectively or verify that you have indeed collected enough points in time for the renewal. This is exactly what happened to me and I will not be staying with Vitality. I've been lucky enough with my health and have never made a claim, but there is no shortage of verified horror stories from people that did try to make a claim. If they can't keep their app working hire knowledge staff, I fear everything else would also be too hard. I highly recommend that you get a quote from other companies and do not get blind sided by all the fake reward schemes that vitality keep pushing. And speaking to their customer service could negatively impact your health anyway. Reviewed on: 29th January 2022

APPALING SERVICE

I HAVE BEEN DIAGNOSED WITH OSTEO ARTHRITIS IN BOTH KNEES..i WISH TO HAVE A LESS INVASIVE PROCEDURE (A SCRAPE RATHER THAN A NEW KNEE--THINK ANDY MURRAY) .THE SURGEON THAT SPECIALISES IN THIS TREATMENT IS NOT ON THE VITALITY LIST--I HAVE BEEN OFFERED FOUR SURGEONS NONE OF WHOM IS A SPECIALIST KNEE SURGEON. I HAVE OFFERED TO KMAKE UP ANY SHORTFALLIN COST--THIS HAS BEEN REFUSED. THE WHOLE EXPERIENCE OF DEALING WITH VITALITY HAS BEEN A NIGHTMARE I WAS NUMBER 32, THEN 35 AND THEN 38 IN THE QUEUE WHEN I CALLED, NO INDIVIDUAL HAS A TELEPHONE NUMBER, E-MAIL REPLIES COME FROM A "TEMA" BUT NEVER THE SAME PERSON. I WILL BE CANCELLING MY SUBSCRIPTION-A SHAME BECAUSE THE ADVERTISING IS VERY SEDUCTIVE. IT IS JUST THAT THE SERVICE IS APPALLING. Reviewed on: 13th January 2022

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