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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.45 (211 reviews)

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1.40

Based on 211 reviews, last reviewed 5th Sep 2025

100% increase in 5 star reviews

in the past 90 days

75% 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

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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 (211)

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

Vitality tech is a disaster.

Vitality tech is a disaster. They will put your premium up if you do not record sufficient activity... however, their tech is so terribly unreliable that you'll be regularly submitting screenshots to get Vitality to manually register activity, as it will routinely fail to sync/register activity. Trying to resolve it by seeking support on the website/app is a frustrating cycle of broken links, buttons that don't work, and repeatedly having to log in. The customer support channels are dreadful too. It all makes for an appalling customer experience, and I wish I'd never joined them Reviewed on: 30th September 2024

Very quick to arrange treatment

Very quick to arrange treatment operation arrangements made MRI and consultant excellent great customer service Reviewed on: 4th September 2024

Brilliant rewards scheme

Vitality rewards are brilliant, we get almost half our money back through the rewards scheme. Any GP appointments or referrals we have had been included in our plan and so quick. Also, fantastic customer service. Reviewed on: 4th September 2024

I believe I was mis sold my policy this year, I was...

I believe I was mis sold my policy this year, I was told there would be new benefits added which influenced me to renew however over 6 months later there haven't been any new benefits, in fact, more and more benefits are being removed. Also, at renewal, the only offer they made to me to reduce a premium - after 30 years with Vitality with no claims - was to increase my excess. Reviewed on: 23rd August 2024

The premiums are reduced if you keep active which I...

The premiums are reduced if you keep active which I love Reviewed on: 23rd August 2024

In this past insurance year I have gone through a ve...

In this past insurance year I have gone through a very serious health issue. Vitality have approved all my specialists, sometimes within minutes, having gone over and beyond to provide me with expert health at what was a very difficult time for me and my family. Insurance is something we have, not because we want to use it, but for that often surprise, perhaps catastrophic moment, when we need it; I am so greatful to Vitality for their part in getting me to see the specialists that I needed. Reviewed on: 23rd August 2024

Had a sky accident and they cared

Had a sky accident and had to have a knee operation. Vitality was phenomenal in all the aspects: from booking visits, to choosing of the surgeon and after care Reviewed on: 23rd August 2024

10 months of suffering

My daughter (23 years old) went through terrible experience with vitality. 10 months of calling, emailing, multiple forms filling (NHS GP) that resulted in coverage denied Reviewed on: 15th August 2024

False advertising, robotic and useless customer service

My experience with the Vitality rewards system, customer service, and technical team has been disappointing. The system, which rewards points on a weekly basis, is fundamentally flawed. To begin with, I encountered issues with account management. Despite having a previous account over two years ago that should have been deactivated, it remained active, causing problems when linking to my new account. This took two weeks to resolve. The system’s performance is unreliable. Points sometimes take hours to appear on the app. Since June 20, 2024, my rewards system has stopped working. I reported the issue a week later, and now, almost two months on (August 2, 2024), the problem remains unresolved. Customer service has been unhelpful, refusing to provide a timeline for resolution. A company that relies on a non-functional rewards system as a means of advertising itself and employs an ineffective technical team to address issues can only be seen as disingenuous. This experience has been frustrating and disappointing. I have my plan as a work benefit and, fortunately, have not had to use the actual health insurance, so I cannot comment on that aspect. However, if you are considering health insurance to pay privately and are judging by the unresolved technical issues and lack of care, I would recommend seeking alternatives. ______________________________ An update on this review: is now 4 days since I wrote a review at TrustPilot. "Lisa" was very quick on responding to it publicly but solving nothing; another email addressed to their customer service on the same day, nobody has bothered to actually contacted me or, much less, provide a solution for the case. That really concerns me for when I actually need to use the insurance for something more seriou like a health issue. So, that said, I re-iterate the advice to seek private health insurance elsewhere because Vitality is not fit for purpose. Reviewed on: 10th August 2024

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