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Vitality: Health insurance reviews

View other Vitality products
2.16
Based on 225 reviews, last reviewed 21st Aug 2026
300% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
11%
See only 4 star reviews
0%
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0%
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2%
See only 1 star reviews
86%

Latest highest rating:

5

Weekly awards programme is a great incentive to stay... Weekly awards programme is a great incentive to stay healthy Reviewed on: 21st August 2026
Neil B's avatar
Neil B

Latest lowest rating:

1

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 ma... Read more Reviewed on: 11th August 2026
Victoria Benson's avatar
Victoria Benson
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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 (225)

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

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

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