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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.44 (215 reviews)

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1.38

Based on 215 reviews, last reviewed 29th Oct 2025

100% increase 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

They do not like paying out. This company are very good at taking your money but do not like paying out when you make a claim I have been paying for heath insurance for 50 years a... Read more Reviewed on: 29th October 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 (215)

Poor customer service.

Poor customer service. The agents are friendly and try and help. but then the systems are updated, but this is not reflected in the online portal, so you have to call again. Long story short, after 4 weeks of trying to get support, I found out I was wrongly supported, and in fact can not be helped, so not only is my issue exacerbated my the messing around, but I'm in a worse mental and financial position. very disappointed. If you want free coffees and a apple watch great, go for it, if you want health cover I would recommend going somewhere else, my last company used AXA, who were leads above vitality. Reviewed on: 20th February 2025

Typical money grab insurance company.

Typical money grab insurance company. They will take your money and do as much as they can not to pay for your treatments. Check other websites to see their poor reviews Reviewed on: 21st January 2025

I turned to Vitality after being unable to get an NH...

I turned to Vitality after being unable to get an NHS GP appointment for over two weeks. I got a private GP appointment through them, who referred me to a specialist. I provided Vitality with the referral immediately, who proceeded to organise the specialist, booked my appointment etc but after incurring £2,000 in fees, they now come back refused to approve the referral, claiming I needed an NHS GP referral. This contradicts their terms, which only require “a GP referral.” Despite providing my medical history, they created unnecessary barriers, violating FCA rules on fair treatment. My complaint was ignored, and their response referred to non-existent terms. The issue is now with the Financial Ombudsman. Appalling service focused on gimmicks over core healthcare. Reviewed on: 2nd January 2025

Poor comms - nice App, Broken Promises, Broken Trust.

Broken Promises, Broken Trust. Don't be fooled by the flashy rewards app! While they offer lots of incentives and rewards, their actual insurance is a nightmare. They make claiming incredibly difficult, and their customer service is appalling. The claims team makes promises to write back with information but never does, leaving you in the lurch. My experience has been incredibly disappointing. For the business medical insurance we had purchased, as a director, I wish I had picked an insurer that values communication and honours its commitments. As a business owner, I feel we've gone down the wrong road in selecting Vitality for the company's medical benifit. Reviewed on: 20th November 2024

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

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