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Vitality: Health insurance reviews

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1.40
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
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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
Judith e's avatar
Judith e

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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Norman Wise
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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)

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

Legal way to scam you when you are most vulnerable

1
I had this insurance for 2 years and it was completely useless. evetime they either rejected the claim or made so much hassle for me to submit it that it was impossible to do. It has cost me more money just to make the claims that were later rejected than what they ever paid for anything. And it has cost me 10x over what I would have paid If I just went to private practice and payed from pocket. It is just a bunch of idiots calling each other and pretending that they are providing a service. Complete scam, stay away, do not get swayed by their marketing sales reps, they are completely miss representing the claim process and make it look like you can actually get something out of this. Reviewed on: 24th November 2021
Babak R's avatar
Babak R

Do not take out life insurance with this company

1
Vitality_UK your handling of claims and medical knowledge of your assessing team is completly imcompetent - My advice to others - DO NOT TAKE OUT LIFE INSURANCE WITH THIS COMPANY - My dad passed away and this company are doing everything possible to avoid paying a relatively straight forward claim. I now have to get solicitors and the financial ombudsman involved. They are great and helpful when getting you signed up but this is exactly the opposite when you need to make a claim. My dad trusted this company and they have let him down - if you want to protect your family by taking out life insurance then do not get involved with this company - your family deserve better than the complete incompetency of this company. Reviewed on: 12th November 2021
danielle angelone's avatar
danielle angelone

Awful company

1
Do not go with Vitality. They do not cover anything. They do not respond if you call or if you email. I’m awaiting calls from weeks ago. The app doesn’t work properly so you will have to be on the phone to tech people. Save yourself the time of cancelling in a few months time because if you ever need to make a claim, you will end up cancelling immediately. Reviewed on: 8th November 2021
Kitty Hopewell's avatar
Kitty Hopewell

Extremely poor customer service rendering health care inaccessible

1
Their customer service is awful with ridiculous wait times that prevent you accessing care. No option to ask for a callback which would at least save you having to sit and listen to the same loop of muzak until it breaks your will and you give up. Any company that actually gave two hoots about their customers beyond gobbling their money would employ enough staff to provide a service. Reviewed on: 5th November 2021
Tobias Russell's avatar
Tobias Russell

Do not use Vitality

1
Vitality wont cover you for practically anything. if you have ever had a symptom before the plan they wont cover, even if its not related. They have tried to say something is related even though it is totally different. They said they would make a decision in 3 days... 8 weeks later and still waiting. I have called 4 times in the last 2 weeks and i'm told somebody will ring back by 6.30 but they never get back to me. AVOID THIS COMPANY! Reviewed on: 3rd November 2021
Amy Barker's avatar
Amy Barker

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