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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.43 (219 reviews)

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1.38

Based on 219 reviews, last reviewed 9th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

No new 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

Don't bother unless you're very patient Staff are fine but app is glitchy and it takes forever for their stupid automated response to put you through to the right place, and there are freque... Read more Reviewed on: 9th December 2025

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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.

Vitality Health insurance reviews (219)

Review of the Vitality, Health insurance:

Avoid at all cost, better Health Companies out there!!

My Company decided to give it a go and enroll this year with Vitality, for the past 15 years we used mainly Axa ppp and other providers such Bupa. These big companies are expensive however they take the stress away in terms of approving claims or consultations. Never had problems in the past. Unfortunately for me Vitality so far only offered a poor service. As other reviewers mentioned the amount informations requested plus involving GP on obtain records only elongate the process; reason why people use Private health insurance is to actually avoid these long wait to see a GP and been referred as soon as possible.Just so you know if you ask your Gp to fill up the records forms it will take up to 4 weeks and also you have to pay a fee to your surgery. So you might be quicker booking an appointment with your Gp than fill these forms !!! The frustrating part is the fact we took the full package from vitality and covering also existing condition however at the time of the switch you must forecast if you might have present conditions that might develop into something that requires additional consultations, basically they will do everything in their power to avoid claims!! So to everyone thinking to switch to Vitality ]bear in mind that you might encounter issue when making a claim. By the way my referral was approved by Vitality online GP and still wants more informations by my Gp, Definitely no worth the stress on taking a cheaper Company which only interest is on saving money. Reviewed on: 8th November 2024

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

Not recommended

I find it painful dealing with this company. It is not worth the hassle. Reviewed on: 15th April 2021

What I think of Vitality in 2021!!!

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

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