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Vitality: Health Insurance reviews

Name: Health Insurance
Rating: 1.43 (208 reviews)

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1.42

Based on 208 reviews, last reviewed 28th May 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

10%

88%

Latest highest rating:

5

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

Latest lowest rating:

1

Absolute shambles of a company consistently never c... Absolute shambles of a company consistently never call back as promised they have no concept of customer care or service They even asked me to forge ... Read more Reviewed on: 28th May 2025

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About this product

Vitality health insurance gives policyholders access to video GP appointments and online mental health support. By staying active, customers can earn rewards like gym membership discounts and fitness trackers. There are a range of additional add-ons to enhance your policy such as hospital choice, out-patient cover and optical, dental and hearing cover.

Choosing the right health insurance policy for your needs can be difficult with so many providers on the market. Our Vitality health insurance reviews can give you valuable insight into life as a policyholder.

Find out how long customers have had their policies with Vitality, and how satisfied they’ve been so far. Learn how policyholders feel about the price of their policies and the amount of excess they have to pay. Do policyholders feel these prices are fair for the amount of cover they have? Find out how easy it is to claim on Vitality’s health insurance and how quickly claims are paid out. Learn more about the rewards available. Read about experiences with the video GP appointments and Vitality’s customer service team. Make an informed decision when choosing your new provider by reading our Vitality health insurance reviews.

If you have a health insurance policy with Vitality, share your experience with our Smart Money People community. Why did you choose Vitality as your provider and have you been satisfied so far? What sort of illnesses and ailments are and aren’t covered under your policy? Did you opt for any additional extras? Have you made a claim, and if so, how quickly was it paid out? What features of the policy do you like the most? Is there anything you feel could be improved? Write an honest Vitality health insurance review today. Together, we can help people like you make better financial decisions.

Vitality Health Insurance reviews (208)

Review of the Vitality, Health Insurance:

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

Utter shite

Doctors service online means nothing as you still need to see your own GP. Didn’t send forms as promised Treatment then based on yet another level of assessment. Returning to BUPA as soon as I can. Utterly rubbish Reviewed on: 12th December 2023

Horrible company to deal with

My experience with Vitality has been nothing short of frustrating. From the very beginning, it became evident that their primary goal is to find any possible loophole to avoid fulfilling their commitments. Dealing with them has been a constant battle, as they consistently attempt to wiggle their way out of honoring claims. If your employer is providing this as a benefit, it is better to refuse it or you'll be paying benefit tax for absolutely nothing. Reviewed on: 12th December 2023

Pointless

Herniated a disc in my back in Feb 2023. After months of backwards and forwards regarding the claim and gp statements I was told it was denied due to a pre existing condition back in 2001 when I went to doctors for back pain. Reviewed on: 22nd November 2023

Confusing policies, dishonest behaviour

I was initially very pleased to be their customer and signed up for myself and my daughter. In their policy it is stated that they provide "full cover for talking therapies" which was made clear to me both in written and over the phone. As a matter of fact, this was one of the reasons why I subscribed. When I raised a claim they said they will not cover anything before the 1,000 excess - even if 'My plan benefits' clearly states otherwise. I raised a complaint to no avail. Even if the amount claimed is insignificant, It seems that they are challenging their customers' intelligence by making up unimaginable excuses to avoid honouring the agreement. On the positive side, their representatives are kind and educated. I am raising it with the financial ombudsman now and in the search of a new provider. I really wish it hadn't turn out this way. Reviewed on: 14th November 2023

Extremely Slow service and very complicating

The customer service never give and information or help over emails and on the phone I got different information regarding the same query. Reviewed on: 24th October 2023

never recomend

never recoemend the vitality after the gp letter also they are not giving authorisation on PMI, dont waste money with vitality. Reviewed on: 4th October 2023

Cinema vouchers don't work.

I have to ask my employer to change this company., all the benefits look like a scam, nothing works Reviewed on: 3rd October 2023

Cinema vouchers don't work. Support a joke.

2 Odeon cinema voucher codes have not worked. Contacting Vitality customer support is the most frustrating experience ever. I have sent countless messages and they act like they don't understand my simple query. When giving them the message references they give me, for some reason this is not enough for them to know who I am or what my query is about. Reviewed on: 29th September 2023

Shockingly bad, even for an insurance company

Vitality will do everything they can to delay your claim. Maybe they think if they continuously delay you will get fed up and use the NHS instead. Delaying tactics they have used: Repeatedly asking for the consultants letter which they have been sent multiple times. Claiming they have never received it despite getting confirmation emails and verbal confirmation that it was received. Asking your consultant to complete an additional form. Asking your GP to complete a form, for which you will have to pay. Promising to call you back but never call. Reviewed on: 29th September 2023

Horrendous company DO NOT USE. Used

Horrendous company DO NOT USE. Used through my work 'benefit' package, and treatment is declined for no reason. Having to follow legal route and reported to FCA poor practise and acting in bad faith. It honestly feels like a scam to make money out of innocent people. will not be using again and have informed my work how atrocious everything about Vitality is. Also, their website, app and general user interface is clunky and confusing. DO NOT USE Reviewed on: 26th September 2023

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