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Vitality: Health insurance reviews

Name: Health insurance
Rating: 2.16 (225 reviews)

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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

11%

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

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

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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)

Do not take out life insurance with this company

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

Awful company

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

Extremely poor customer service rendering health care inaccessible

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

Do not use Vitality

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

Crooks

Crooks Crooks. They are there not to pay anything other than the salaries of the employees, their CEO and advertisers. Beyond the fact that they will never pay for any claim you need to wait for 2 hours to talk to them after waiting 1 hour for someone to pass you to someone else and then wait for 1 hour more They hope you will give up. They should be audited immediately by the regulator, they are providing no service for the money they receive. I can start an insurance company my self like that. They are nothing, just crooks. Reviewed on: 29th October 2021

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

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