Write a review

Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.45 (211 reviews)

View other Vitality products

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

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

Read all reviews See your review

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

More (empty) promises from Vitality

More (empty) promises from Vitality Again for the third day, promises (from Laura Smith, Abby, Namrata, Kalpana, Shreyasi, Kajal among others!) for a call back that never comes (admittedly they didn't say which year it would be) I've tried WhatsApp, email, Face Book - lots of promises - but nothing else. I would strongly advise against taking health insurance with them. Reviewed on: 25th October 2021

Avoid

This company is a scam. They do not cover you for 95% of what goes on. I tried for 7 days to get through to customer service for an appointment. I had to go through 3 different numbers, a web chat and email. Calls requested were not returned and nobody seems to want to help or know anything about what you query. I was cut off after 15 minutes on multiple calls. Told that they don’t cover you in most cases, not just preexisting comditions. If you have ever experienced a symptom, you won’t be covered. Trouble is, if you have ever had a stomach pain or headache for whatever reason, you’re not covered because it was before your plan. The app for rewards doesn’t work and you have to continually ask for them to manually upload steps you do. Do not go with this company. Reviewed on: 20th October 2021

Utter waste of money.

Sounds fabulous when signing up but tried using online gp( 5 day wait ) , daughter had terrible rash wanted to see a dermatologist, they diagnosed her on the phone with chronic acne..it was an allergic reaction as saw nhs gp. You are covered for literally nothing when you try phone up. Website is worst usable ever, utterly confusing and literally a minefield. For my premiums I could have seen several private gps, bought 2 i watches and all the coffees, I couldn’t claim from nero ( another website that was terrible , and still had change from £2000.. Avoid. Reviewed on: 7th October 2021

AVOID

I note all the reviews about Waitrose vouchers , great chatty customer services, a wonderful experience setting up a direct debit..... read the comments regarding making a claim , they will firstly try and put you off suggesting your premium will go up then they will send you a ten page document for your GP and advise your GP will charge you then they will advise your excess, if you not already ill , you will be after that drama , customer services ask you to leave reviews , read the reviews POST CLAIM , avoid like the plague Reviewed on: 29th September 2021

Hidden agendas

I read all the reviews suggesting great friendly service , that's clearly pre - claim , please read the reviews POST CLAIM, they are a gang that don't want to pay out when you need them, your health matters NOT Reviewed on: 29th September 2021

Con artists

My wife has been suffering hip pain and requested consultation to investigate. Vitality have refused, claiming the condition is pre-existing. This is untrue. We have obtained a GP letter to confirm the issue is new but they still refuse to support. Happy to take the premium but won't provide the service we are paying for. Totally fraudulent. Do not buy! Reviewed on: 9th September 2021

Joke of a company who will avoid paying out at all costs!

Do not take a policy out with this company! We have been paying our premiums in full and on time for years. I needed to make a claim this year to be told they won't pay me out and have cancelled our policy with no return of premiums paid! They find any excuse to negate a claim and really should not be allowed to practise! They are all helpful when taking out the policy but will make it impossible to claim. Reviewed on: 26th August 2021

Given a death sentence

Been paying these people for years, got cancer and they denied the claim... they say heavy periods two years prior was a pre existing condition, despite the gp and consultant saying it was totally unrelated and has absolutely no relatable connection whatsoever to this form of cancer... anyway, they denied and now won’t get treatment due to covid for months. This company is vile.... I can’t stress how vile they are. They seemingly took pleasure in denying the claim, I learned later that this denial meant the claims adjuster gets a bonus, VILE If I survive this I will be surfing these vile people. Reviewed on: 6th August 2021

Vitality denies surgery claims

Vitality supposedly covers dental surgery but they denied my impacted wisdom-tooth claim, despite it meeting their criteria of "surgical removal of impacted teeth or partially erupted teeth" and "complicated buried roots.". I think they are a marketing company, not an insurance company, they exist to sell you more things. Their health incentives are appealing, so you may have a fun experience -- if you never get ill. Reviewed on: 19th July 2021

Innovative product

I have never had a problem with Vitality and their product has been life-changing for me. Their healthy living programme made me consider my life choices and I am a much healthier person because of it! As well as this I have found claiming to be straightforward and pain-free. Would recommend! Reviewed on: 8th June 2021

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

Alternative products

Dental Insurance
from BUPA 2.33 from 5 reviews
Health insurance
from BUPA 1.26 from 76 reviews
Health Cash Plan
from BUPA 2.23 from 7 reviews

Want to see more from Vitality?

Life Insurance
from Vitality 3.53 from 28 reviews
Car Insurance
from Vitality 2.00 from 3 reviews

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

News, guides and insight from our team

View resource hub