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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)

I found out from several sources vitality is de-registering doctors / physios

I found out from several doctors that Vitality is de-registering doctors like crazy and rejecting them from their books. There are no reasons and this is across the board. Absolutely dreadful as it means they won't pay for treatment at all. Reviewed on: 19th February 2019

A rip off

Dreadful. Do not use them if you can avoid it. They are constantly trying to scam me out of benefits. Their app crashes (I think it's intentional.). Yes they give you a bunch of free crap like movie tickets. But don't be fooled. They will do anything to avoid paying for your healthcare. Anything. Not to be trusted. Avoid, avoid, avoid. Reviewed on: 4th February 2019

Appalling customer service

Patronising and cheeky call handlers. Complete nightmare to get through to the right department on the phone. Multiple key-in options, over and over and over. It's like being lost in a maze. And when you finally get to speak to a human being, you are told you are at the wrong department and transferred back to the end of another queue. Again. And again. And again. All that and they wont even part with their money. AVOID. Reviewed on: 9th January 2019

Never had a case of tonsillitis...

But they told me because I had my septum straightened that “it’s all connected”...as in ear nose and throat. The customer service is horrible, they are seeking just to not pay out anything- I would run for the hills, mo eh grabbing thieves! Reviewed on: 5th December 2018

Gimmicky and not fit for purpose

Fabulous policy with all the freebies and gimmicky app. UNLESS you actually need to claim which I assume you really want the policy for (as I found out to my detriment). Needed to claim for a unexpected heart problem but the completely useless and knowledgeless staff made the whole thing even more stressful. Repeatedly sending us round in circles with the wrong information. On one occasion they gave us the wrong phone number for a consultant 5 times. A complete joke at s time you need a smooth service. Don’t bother, Go with Bupa Reviewed on: 3rd December 2018

Service is a joke, & don't pay out claims!

Be aware that Vitality will try & get out of paying any claim. Read the small print, Their customer service is awful. I have had an ongoing complaint with them for awhile, they have accepted failings in the way they have dealt with my claim & offered me £10 in compensation. I was paying nearly £100 a month, what a Joke. I now wish to leave them & they want to charge me £40 admin fee!!!! Reviewed on: 27th November 2018

Keep reducing benefits

They keep reducing benefits. Every year they your benefits. Next year, you can only get 12 cinema tickets instead of the maximum 52 you could collect last year. The gym I wanted was. It in their list. The closest one was 40 minutes away. There is nothing extra by getting to tier levels. Awful customer service. Over priced. Avoid at all costs. Go with bupa or someone else. Reviewed on: 17th November 2018

Horrible

Wouldn't cover our 8 month old daughter who is on our plan to see an allergist for food allergies despite her now having 3 allergic reactions to different foods and her gp filling out her claim form. Waste of time, waste of money, fuelled by greed and regret not just paying out of pocket for the whole allergies thing than wasting a month dealing with these idiots and compromising my daughters health. Reviewed on: 12th November 2018

Terrible customer service and customer portal

Customer service experience was very poor... I had to use facebook messenger, and then they used the full 24hr commitment to respond to my questions, but each time only requesting just a little bit more information so they could reset the clock.. no resolution came A company that is all about the marketing and little on the service - the customer portal is constantly having technical issues and is extremely difficult to navigate - lacks intuition. Cancelled our cover, but not before an overly aggressive attempt to change my mind by their cancellation team Reviewed on: 12th November 2018

Dont fall for Vitality Cheap quote, they never allow your claim to see specialist.

They got good marketing which tempt you to take Vitality health insurance. but, the moment you claim, they give some 20 pages sheet to fill by yourself and also GP. they gain take weeks and week to review this. I was with AXA for earlier for 7 years, which is too good compare to Vitality. AXA guys will not trouble with extensive documentation, they only refer to GP referral and pass the claim. I am the real victim of Vitality, when i claimed for my son. Kids will have repeat issues and these guys will try their best to reject the claim. i still repent now, why i left AXA. you will only value the real good insurance company when you move. Reviewed on: 2nd November 2018

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