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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.43 (217 reviews)

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1.38

Based on 217 reviews, last reviewed 25th Nov 2025

100% increase in 5 star reviews

in the past 90 days

200% 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

absolute scam, they try to avoid paying out at all c... absolute scam, they try to avoid paying out at all costs, have a ridiculous way af reasons, probably from their " how to screw customers" handbook !! Reviewed on: 25th 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.

Vitality Health insurance reviews (217)

Review of the Vitality, Health insurance:

Good products

Excellent product and healthcare plan Reviewed on: 21st August 2022

NEVER SWITCH TO VITALITY

DON’T SWITCH TO VITALITY IF YOU HAVE ACCUMULATED NCD WITH ANOTHER INSURER. I was with AXA for 5 years until Sept 2017. Vitality matched AXA’s policy and renewal (65% NCD) to £420. A year has passed and Vitality’s renewal came through at a staggering £684. I made a complaint. I informed Vitality that they miscalculated my premium. According to their renewal pricing policy, my premium was due to increase by 3% not 63%. Their response was, and I quote: “A concessionary one-off £200 write-off was applied to match your previous providers terms. The implication of this is that the write-off stands for a 12 month period, but then at renewal, without a concessionary discount applied, the premium returns to its original price to calculate the next renewal.” Am I only one that finds that incredibly bizzare? Here’s something from Vitality’s own website about renewals “Q: Will I keep my no-claims discount if I switch to Vitality from another insurer? A: You may still get an equivalent discount when you join us. You’ll need to send us your renewal quote and certificate of insurance. Then we’ll look at how many relevant claims you’ve made, and how long you’ve been insured.” (Read the rest at: Vitality.co. uk/health-insurance/renewal-rates/) What they don’t tell you, is that the discount will not apply the following year. My argument to Vitality, is that if I had known this, I would never have switched. My renewal today with AXA would have been in the region of £450-£470. A like for like policy for Vitality’s £684 equivalent. These tactics are disgusting, unethical and immoral. It’s a ploy to rob us of our hard earned money and years of NCD, in order to fill the pockets of the top level hierarchy. Vitality’s renewal policy is apparently based on what is called the ABC model, created by Vitality themselves. Here’s what Neville Koopowitz (CEO of Vitality), says on their own website about this model: “We believe that no member should ever be surprised when they get their VitalityHealth renewal, which is why we have introduced the ABC model, a groundbreaking approach that sees the effects of age, medical inflation and wellness engagement combined to deliver a fairer, more intuitive and transparent pricing structure.” Vitality.co. uk/media/70-percent-of-pmi-policy-holders-do-not-understand-ncd/ This ABC model should be called the CON model. And someone needs to teach Neville his 123’s, because a 3% increase does not add up to £684. Reviewed on: 28th September 2018

Prepare to be put through the ringer if you're signing up for this horror show of a service

Don't even deserve one star really. I'll start with the good points - free starbucks and cinema ticket every week are great. Apple Watch scheme is also a good bonus and perk, especially if you're active like myself, as you will pay either nothing or the bare minimum of a fiver a month for the watch. Really good freebies! Now the downsides. Trying to make any sort of claim whatsoever. Don't waste your time. I have jumped through multiple hoops, yo-yoing backwards and forwards to my normal GP over the past 2 to 3 months for forms and documents to appease Vitality that a mole I've had for my entire life has only very recently started changing and giving me cause for concern. Finally, after all hoops were jumped through, my case was approved to be treated. Phew, amen, end of story. Except not. Two days after it being approved and booking in for an appointment with a specialist, Vitality call me to revoke the approval without discussion and without any proper explanation and an extremely unprofessional individual relaying the information. I am absolutely flabbergasted at this treatment given I had provided them with every single bit of information under the sun from my GP. Won't be wasting my time claiming a single thing ever again. Only thing to be thankful for is that this is covered by my company or I'd be demanding every single cent back of my membership. Go somewhere that actually sees it's customer's health as a priority. Vitality isn't the place for you. Reviewed on: 19th September 2018

They're just shit

Bad app experience Their process so time consuming and convoluted that it discourages you from using them, the NHS is actually quicker and more helpful Poor customer service Every single appointment you book must first be validated by a Vitality GB, I was told I didn't need acupuncture, but that's an alternative type of treatment that should be covered by my plan All around, very unhappy with their service. Reviewed on: 26th August 2018

Most company ever - zero service

Points system doesn't work - they don't allocate and then ask you to evidence after the fact which is unworkable. Also claims process is so panful you just give up (which is what they want, but what's the point in having health insurance if you can't claim)? Don't answer the phone and don't reply to email! Reviewed on: 10th August 2018

Working for Vitality

Vitality is an awful company to work for. No respect for it's staff whatsoever nor for family life. The only good thing about Vitality was colleagues. Management had attitude and no sympathy for emergencies nor sickness. High turnover. You would be sacked over anything as it was all about money. Staff were consistently stressed and pressured. Avoid at all costs. Poor communication and no respect. Work elsewhere where you are valued! Reviewed on: 24th July 2018

Mrs Anne smith

If I could I would rate this company minus 10 Worst company I have every delt with Full of empty promises ,delay tactics should sack the managers I am told my claim has been with them for since end of march. The only thing they are good at is taking my money every month. stress is exacerbating my condition but they don’t care Reviewed on: 24th July 2018

Utterly awful company

Look past the gimmicks and read the hundreds of reviews online about these crooks before you part with your money. After five years as a customer, I had to cancel my policy because they took ONE YEAR to process a claim and finally rejected it on a minor technicality. AVOID!! Reviewed on: 21st June 2018

Rubbish

They don't count my points. My reward - free coffee in Starbucks expires one day before it says. Rubbish!!!!! Reviewed on: 9th June 2018

The worst insurance provider I have ever come across.

AVOID AT ALL COST - Worst than insurance providers in 3rd world countries. I injured my back and couldn't walk and sleep properly for months - It took them 3 months to approve an MRI with all the faffing around and forms to fill from current and previous GP's - Absolutely disgusting. Best part is that when they sent me to see their GP (face to face), their own GP said and I quote "These people do whatever they can to avoid paying and they tangle your claim with forms to put you off". Unfortunately, this is exactly what they do. Having done the MRI after a 3 month long process and countless forms and chasing up calls, their 3rd party provider ended up charging my credit card without notification and or consent for £170, an amount that I don't even know what it relates to and for. I had to report them as fraud and cancel my card. This insurance lures you in with their rewards and supposedly great service, but when you pay £80 per month for an insurance policy, I don't think you are really the type of person that is looking to save £60 pounds on an apple watch or get £10 off a gym membership. I have lived in many countries, including 3rd world countries where insurance providers were ten times better than this shamble of an insurance. Avoid it at all cost, but if you end up making a mistake and signing up with them, then I'm afraid you will find out soon enough what they are all about. This insurance is a shame to this industry, and there are plenty of other providers out there, so really learn from my mistake and obviously from many other people's bad experience with this company (as you can very clearly read from reviews) and save yourself the time, money and stress of dealing with them. Reviewed on: 23rd May 2018

Will not pay out for recommend treatment from a specialist.

I have been referred by a specialist dermatologist to have a lump removed from my abdomen before it gets too large, ruptures and becomes infected. Vitality have said that they will not pay for this treatment as it is ‘preventative’ and will only cover once it has actually ruptured despite a detailed letter from the doctor. When I explained that this would cause complications and leave me with bad scaring and risk of infection I was told by a very rude woman on the phone that this ‘was not their problem’! Please avoid these awful people at all costs. Reviewed on: 30th April 2018

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