Smart Money People Logo
Share this page
Link copied

Vitality: Health Insurance reviews

View other Vitality products
1.42
Based on 206 reviews, last reviewed 14th Apr 2025
No new 5 star reviews
in the past 90 days
33% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
10%
See only 4 star reviews
0%
See only 3 star reviews
0%
See only 2 star reviews
2%
See only 1 star reviews
88%

Latest highest rating:

5

Very quick to arrange treatment Very quick to arrange treatment operation arrangements made MRI and consultant excellent great customer service Reviewed on: 4th September 2024
IanM's avatar
IanM

Latest lowest rating:

1

AWFUL INSURANCE COMPANY STAY AWAY Private insurance is there to be seen immediately. Vitality did not have adequate dermatologists to be seen for my daughter within a week. Not only th... Read more Reviewed on: 14th April 2025
Tamara's avatar
Tamara
Read all reviews See your review

About this product

Vitality health insurance gives policyholders access to video GP appointments and online mental health support. By staying active, customers can earn rewards like gym membership discounts and fitness trackers. There are a range of additional add-ons to enhance your policy such as hospital choice, out-patient cover and optical, dental and hearing cover.

Choosing the right health insurance policy for your needs can be difficult with so many providers on the market. Our Vitality health insurance reviews can give you valuable insight into life as a policyholder.

Find out how long customers have had their policies with Vitality, and how satisfied they’ve been so far. Learn how policyholders feel about the price of their policies and the amount of excess they have to pay. Do policyholders feel these prices are fair for the amount of cover they have? Find out how easy it is to claim on Vitality’s health insurance and how quickly claims are paid out. Learn more about the rewards available. Read about experiences with the video GP appointments and Vitality’s customer service team. Make an informed decision when choosing your new provider by reading our Vitality health insurance reviews.

If you have a health insurance policy with Vitality, share your experience with our Smart Money People community. Why did you choose Vitality as your provider and have you been satisfied so far? What sort of illnesses and ailments are and aren’t covered under your policy? Did you opt for any additional extras? Have you made a claim, and if so, how quickly was it paid out? What features of the policy do you like the most? Is there anything you feel could be improved? Write an honest Vitality health insurance review today. Together, we can help people like you make better financial decisions.

Vitality Health Insurance reviews (206)

Review of the Vitality, Health Insurance:

What I think of Vitality in 2021!!!

1
I am sad to have to write a review that contradicts my earlier review..for Vitality Healthcare I still feel the same with regards to the service received by Vitality however this current unprecedented year I have been totally disappointed in them as a company!! They have absolutely NO idea what their clients needs have been..this year when things have been so uncertain with deaths to the pandemic, job losses (with many more to come!) What has their response been?? The company have provided us with coffee vouchers for Waitrose, exercise videos and such like!!! What have companies like AXA and BUPA done for their clients ( This I can tell you for sure as my partner is with AXA and a member of my family with BUPA) AXA have a two month holiday on their premiums for 2019 and thereafter a further two month holiday for 2020, if this alone was not brilliant they went on to waive the excess of £500 because of covid! ( proof of all I have) BUPA too came through for there clients on premium holidays. When challenged about this Vitality offered me £250 a day if I caught Covid.... Reviewed on: 1st April 2021
Ruby Nathan's avatar
Ruby Nathan

Waste of money

1
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
Sean's avatar
Sean

awful health company - don't go near

1
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
Melanie Goodman's avatar
Melanie Goodman

Don't waste your money

1
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
TerribleExperience's avatar
TerribleExperience

Diabolical, keep away at all costs!!!

1
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
Thiswasamistake's avatar
Thiswasamistake

APPALING SERVICE

1
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
ROBERT MAXTED's avatar
ROBERT MAXTED

Doubled premiums over two years

1
We have had this insurance for two years and had one claim, for minor back surgery, because the invoices for the claim fell into two of their cover periods (October to October) they increased our premiums each year by 23%. An absolute scam, as they effectively made one claim into two claims. Reviewed on: 5th January 2022
Mark Cowdrey's avatar
Mark Cowdrey

Outrageous customer service

1
Communication with Vitality is a nightmare. Extremely poor customer service. Nobody answers the emails, and being waiting on phone over 1 hour is a joke. The care hub is useless too, so you have to be on the phone to get trough to customer service every time you need get any information or authorisation to proceed with treatment required by specialist. Reviewed on: 20th December 2021
Stan's avatar
Stan

Unethical, Uncaring and Uncoordinated Staff and Systems

1
Put my payments for reimbursement on hold as they are stupid, different computer systems and teams do not communicate. You have to call the same number and can pushed across three teams of half wits, each of whom are rude and obtuse - seeking to make you ‘not bother’ so they can keep the money and pay out. The most unethical and caniving Reviewed on: 10th December 2021
Grant Barnett's avatar
Grant Barnett

Unethical, Uncaring and Uncoordinated Staff and Systems

1
Put my payments for reimbursement on hold as they are stupid, different computer systems and teams do not communicate. You have to call the same number and can pushed across three teams of half wits, each of whom are rude and obtuse - seeking to make you ‘not bother’ so they can keep the money and pay out. The most unethical and manipulative pack of chumps you could imagine. Their App is ‘atrocious’ and their teams feckless, unhelpful and incapable. Avoid this shower of shite! Reviewed on: 10th December 2021
Grant Barnett's avatar
Grant Barnett

I wish I can rate 0

1
If you want to waste your money , Vitality is here to help. Stay away from them, they won’t help instead they will let you die at home Reviewed on: 4th December 2021
sabrina leu's avatar
sabrina leu

Do you have a different Vitality product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

There's still more to see!

Vitality has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill