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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.35 (219 reviews)

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1.35

Based on 219 reviews, last reviewed 9th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

86% 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

Don't bother unless you're very patient Staff are fine but app is glitchy and it takes forever for their stupid automated response to put you through to the right place, and there are freque... Read more Reviewed on: 9th December 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 (219)

Review of the Vitality, Health insurance:

A Vitality policy means will always pay in the end

My insurance started in 2017 with a premium of just over £315 per month for my husband and I. Our renewal quote for 2023/24 is £724 per month (from £515 for the past year). Our premium has gone up without fail every year by around 25%; this year, it is an increase of just under 41%. Our crime? Me getting and then surviving breast cancer and then in 2022 having a minor obstetric procedure. My cancer, thanks only to the NHS, was caught very early so I have only had to have a yearly scan and check-up by my Oncologist since a 2017 lumpectomy and radiation treatment. This was followed by 5 years of cancer-free scans. By the way, I'm 58, 5'7, weighing 61kg, a surfer, kiteboarder, and wing foiler. I am incredibly fit and healthy and I wear a fitness tracker; I'm absolutely Vitality's target client, yet they've been ruthless. Even given my level of activity, I've only managed to get to Bronze status so looking at my activity level, I must assume that you have to be an olympic athlete to get higher points. When I had my initial cancer diagnosis, Vitality spent time trying to prove that I knew about it before taking out the policy. My diagnosis was on March 7th 2018 and I took the policy out in Sept 2017. I didn't know and my GP confirmed it, but not before Vitality caused me a huge amount of extra unnecessary stress on top of a devastating cancer diagnosis making me go to the GP to request documents to prove I wasn't lying. They later apologised and sent me flowers. If you do need a check-up for anything, Vitality is set up to make it difficult/time consuming to achieve 'approval' (I'm sure you will be familiar with the waiting message 'we are receiving a very high volume of calls at the moment, blah blah blah'). The last time I wrote a bad review on Vitality, they spent months trying to have it removed, reporting that I had made a mistake in posting to the 'wrong' company. If you are reading this it's because you are looking for Vitality customer's opinions. Here's my advice, don't buy a Vitality policy; it's better to put those ever-increasing premiums in a savings account of your own in case you need future treatment or find a less ruthless insurance provider who understands risk. Vitality will punish you and claw back any costs they incur in your premiums. No-one in their right mind would think that 25% year on year increases followed by a 41% increase is reasonable. Even Usay Compare who have handled my policy are aghast at the level of my premium increases. It's clearly a company strategy to do this as when I asked for the minor procedure permission, they had to warn me in a carefully worded policy script that any treatment I had 'would effect my premium'. So please bear in mind the following: insurance should always present a 'risk' for the company providing it. Some people don't claim at all. For example, my husband has not claimed a single £'s worth of treatment since we took out the policy ; hasn't even seen a doctor. Vitality don't offer him a discount for not making a claim, but they have penalised me excessively. My premiums have now totalled almost as much as any treatment received. That seems to be the aim/policy of Vitality. They don't take a risk with their customers, they simply claim back the cost of having you as a client by increasing your premiums. I'm in the process of renewing now with Bupa and I'm told my premium will be under £300 per month with continued cancer cover, just in case. I'm not remotely interested in hearing 'from the team' as Vitality have written below. Previous complaints over the years have all fallen on deaf ears; the level of premium increases have never relented but this year's increase will finally drive me away as a customer: I think that's what they've wanted all along but as a cancer survivor moving insurance is very tricky until you are at least 5 years cancer free. Reviewed on: 31st July 2023

Waste of money

It's quicker to go NHS than get vitality to answer a phone . I've cancelled my plan and am paying cash to see a dermatologist for a simple skin rash Reviewed on: 20th December 2016

No Complaints

I have seen some negative reviews and believe people very quick to moan but slow at praise. I have been with them for about 4 years and never had a major issue. A couple of minor technical issues a couple of years ago, which they sorted out, no problem. I love the preventative health incentives and feel better for it. Thank you Vitality Reviewed on: 17th November 2016

Bad health plan AND inefficient/rude customer service

First, I was happy with the plan because we have all those rewards, etc. But then I experienced some "technical problems" (as they say) which resulted by never receiving those rewards. E.g: never receiving the Starbucks free drinks even with the maximum points and even if you asked multiple times to fix the problem. The solution according to them is for you to buy the drink and send them the receipt (every week? really? No thanks). If you are not happy with this solution and you just want the problem to be fixed, you will get a "fuck off" answer. In other words, they don't care whether you get the rewards or not and if you are happy about it or not. The worst is when you make a claim, expect to be charge a lot the following year. In my case, I needed to see a physiotherapist, which I did only 5 times. Well, the following year, the price of my plan raise by 30%!!! I would want to read reviews before subscribing with them so I will post this everywhere so people know that Vitality is not a good company. STAY AWAY. Reviewed on: 11th November 2016

Truly dreadful!!!

Truly dreadful!!! They gave approval for treatment over the phone and then once the treatment had been done, they backtracked and said it wasn't covered and were not going to pay!! Vitality Health is all gimmicks (free coffees and cinema tickets) and no substance. Reviewed on: 13th September 2016

Cheap for a reason

Joined them from BUPA. Three months into policy experienced onset of osteoarthritis in hand. BUPA would have beeline phone call and an authorisation number. Vitality - ages to answer the phone, told to submit claim over the internet, too to fill in Claim report to be sent by snail mail, now told claim has to emanate from an NHS GP (not true). Communications not returned. Customer operators don't seem to know a thing. Eventually paid for treatment privately, cancelled policy and returned to BUPA Reviewed on: 5th July 2016

Excellent Preventative Healthcare Product

Bought a vitality core cover Health insurance product and it gives me a good pay back when ever I go for gym and when I bought some fresh veg. products. Great offerings. Thanks guys for the innovative products. Reviewed on: 5th November 2015

Product is great but it is so badly compromised by a contempt for customer service

What a great product! Innovative and imaginative and lots of potential. Obviously the sheer effort of coming up with this wore these guys out however, for they decided to merge the great product with a devastatingly bad level of customer service - at least on personal plans. I have a history of basic questions not being answered, a creaky and awful email service and a default setting of "the customer must not be helped" Luckily I have not had to make a claim, if my health fails.... well I just hope customer services and claims handling do not work from the same manual. I like the concept and still persist with it despite the appalling service. But as a Managing Director of a company I cannot dare inflict this on my employees as our preferred health scheme. It will destroy motivation. Reviewed on: 25th July 2015

I would never need to look elsewhere

Vitality offer me everything I could ever want, with amazing customer service whenever I have had to contact them. I would never need to look elsewhere for my health insurance. Keep up the good work! Reviewed on: 21st May 2015

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