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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.43 (218 reviews)

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1.37

Based on 218 reviews, last reviewed 27th Nov 2025

100% increase in 5 star reviews

in the past 90 days

600% increase 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

Save yourselves I’ve had a disappointing experience with Vitality after being a member for a year. I initially took out a policy from September to September, and rais... Read more Reviewed on: 27th November 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.

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Vitality Health insurance reviews (218)

Shocking ok taking your mothly payments

Tried to make a claim stated our consultant was not on there list he was they only want to send you to the cheapest consultant they can and put barriers up every time I would have been better off saving the money I pay Vitality and using that if I needed to see a doctor ? Reviewed on: 22nd June 2020

DONT TRUST VITALITY WITH YOUR HEALTH OR MONEY!

DO NOT TRUST VITALITY WITH YOUR MONEY OR YOUR HEALTH! They have broken FCA Guidelines June 2020. The FCA guidelines announce providers must offer insurance customers payment help, policy adjustments and refunds during this pandemic crisis. Vitality have not done this. Vitality are not informing members on there “corona faqs” page that they (HAVE TO) provide a 50% reduction on premiums for three months to members…..they wait until a member calls to cancel...then try to hold onto them by offering them this! They hope members wont realise this offer is available. Duplicitous and underhand! Why has Vitality not refunded members like WPA healthcare? WPA Healthcare has refunded policyholders that have seen their private medical care delayed and disrupted as resources have been switched over to support the NHS-led response to the pandemic. Those with private health cover in force on 22 April were due for a rebate. Most had it automatically paid back into their bank accounts on or around 29 April. Why has Vitality not frozen members accounts until they can provide the service we as members are paying for? Gaynors manager (customer retention's) informed me “we need to have money in the coffers, to cover important treatment like cancer treatment, and if we freeze members accounts or refunded each members payments during this time, we would not be able to stay afloat as a company.” = PROFITS OVER MEMBERS! Apart from paying for a service we are not getting….. Vitality's Facebook's posts…....are all complaints….with members threads deleted…so there is no solidarity between members. Vitality deletes the community page so members cannot talk to each other (about the shoddy service they are getting) The perks are a joke. You have to pay postage to get a free coffee delivered! The GP online service never works Linking up your app to your phone to get points system never works either! We are informed on the corona faqs page that consultant services are still in operation ….they are not…. We are advised to go to our GP NHS for a consultation when we phone. I've very recently spoken with other Vitality members, as i reach out to Vitality members (ex and current) and they have advised me that they had trouble trying to get new claims in place before this pandemic! I wish i knew that before i joined and gave them my money! I have advised Vitality members to write to the MD, to contact Vitality Ambassadors, who are unaware of the shoddy way Vitality operates. If you are another unhappy customer, what are you going to do to ensure Vitality does not continue to operate in this way? SHAME ON YOU VITALITY - KARMA! Reviewed on: 13th June 2020

Disgusting that Vitality are allowed to even operate

Absolutely disgusted with Vitality from start to finish. I know Financial Advisors who are steering away from Vitality for their incredible lack of customer care in dealing with claims (which they will do ANYTHING to prolong and get out of paying!). My mental health has been so badly affected by these people I feel sick at the thought. The app and the online 'member zone' are awful with communications coming from so many different places that take ages to find and open, the app is a nightmare and god forbid it stops connecting with your iWatch etc...! And the call centre's... well couldn't be more awful. No notes of your previous calls.. no human responses beyond a script, and some truly awful uncaring excuses of human beings I am going to the ombudsman after a year of fighting with this company I payed large amounts to protect me in times of need.. I couldn't advise enough for anyone to STAY AWAY from Vitality! I can't post my name because of the litigation I'm instigating against them and I really can't deal with ever speaking to a Vitality employee again. Reviewed on: 4th May 2020

Haven't been able to log in

Contacted customer services to acquire login details. First time around the membership number was incorrect although it was copied and pasted frm the email they sent. Then they asked for my address. They didn't recognise the address which is strange as they sent a letter there. They told me to speak to my employer. My employer contacts Vitality and who ask for me to phone them. The circle is complete. Still haven't logged in. It would probably be faster for me to intentionally jump in front of a bus, get hit, go to hospital , get better and then fully recovered, than it would be to get into Vitality. Reviewed on: 7th April 2020

Wont take no for an answer!

Saw a rep a couple of years ago despite me insisting that my husband had a pre-existing that nobody else would cover. Rep insisted that they probably could so eventually agreed to see him. Guess what? - they couldn't cover the pre-existing condition!! Waste of time. They have called me several me several times over the last few weeks when I haven't been available. They have been asked to email me instead but apparently are not able to email whilst working from home due to Covid-19 situation - that in itself hardly fills you with confidence. Eventually spoke to them and tried to explain politely about the pre-existing condition etc. Wouldn't take no for an answer, carried on pestering about health insurance and quoting for life insurance and Covid-19 cover?? I got quite annoyed and told the caller in no uncertain terms not to call back. Three days later I get another call off the same person. Full marks for persistence. Wouldn't touch this company with a barge pole. Reviewed on: 6th April 2020

Innovative ideas. Terrible customer service

What a shame that Vitality don’t have the organisational or technical ability to make their rewards system work as it should. Add to that shocking customer service, a vitality salesman who lied about the cost of adding a newborn into my policy (he said it was free) and a 40 hour wait to get a GP video consult, rewards withdrawn mid policy. Avoid at all costs. Their rewards are a gimmick and their system does not work. Reviewed on: 10th December 2019

Not helpful in any way

I have this through my work. My GP wants me to have an MRI, which I will wait for ages on the NHS. I called vitality to see if I can get it done privately. Apparently not, because I am under GP care.... Still don't understand why it matters.... I had it done for another problem within days, when I worked for a different employer who had a health insurance with some other company. Reviewed on: 27th November 2019

Brilliant Innovative Product

Fantastic product, world class service. Seamless claims experience. Brilliant! Reviewed on: 13th November 2019

Customer Care is not helpful, not customer-friendly nor customer-orientated

I checked through Vitality yesterday to get a quote from the website (name: Tins Tru.). Today, I received a call from a Vitality sales person or customer care. After a woman talked to me, she passed me to her colleague. Her male colleague was super unfriendly and passive aggressive. I could hear on the telephone that he was super annoyed, he was just reading from his screen and was talking way too fast! Sometimes, I asked him if he could repeat or just explain the question further please. He reacted annoyed and just re-read the question from his screen again which was super unhelpful and unprofessional. After I rejected to answer one question, he just said "thanks and bye". He didn't even tried to clarify further why this is needed and just hung up. This was just a bad customer experience and I will not sign up with Vitality based on this bad phone experience!! Reviewed on: 11th November 2019

The WORST

1) I wanted to see a GP . On their website they push for Vitality GP, with who you video call on their vitality GP app(whuch is different from Vitality UK app). When I tried to find the app on the app store it was not available, I called their customer service and after keeping me waitin and dodging me around for 45 mins they tell me to call apple and report that apple is having some issue in ther app store and there is absolutely no problem on their side. When I questioned why is Vitality UK available on appstore and not Vitality GP they just said no idea you should ask apple. This is a company who is so delusional that they think their app is far superior than app store and does not undesrtand the pain a customer has to go through . Plus they have been cancelling all the benefits Reviewed on: 8th November 2019

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