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Vitality: Health Insurance reviews

Name: Health Insurance
Rating: 1.45 (200 reviews)

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1.47

Based on 200 reviews, last reviewed 30th Sep 2024

400% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

10%

86%

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

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 t... Read more Reviewed on: 30th September 2024

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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 (200)

Review of the Vitality, Health Insurance:

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

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

Very helpful

Easy if u call first thing in morning as you don’t have to wait so long. Good company Reviewed on: 14th September 2023

Worst Insurance company ever

They will find any excuse not to reimburse your claims after make you just through countless hoops and the customer service is pathetic. Worse experience ever. Reviewed on: 25th August 2023

Vitality are only after your money

Most difficult company to contact when you do you have to use a app then have to book a call back several days hence then they dont phone you on the agreed time avoid like the plague they are only after your money absolluty no customer service Reviewed on: 24th August 2023

Amazing health insurance!

Vitality goes above and beyond - not only does it offer good quality health insurance, but it rewards you for exercising and gives you great advice on how to improve both your mental/physical health. It also offers health checks which is fantastic! I love the free Cafe Nero drinks/discounted food and free cinema tickets (plus other benefits). Overall - no complaints! Reviewed on: 24th August 2023

Interesting side benefits which add value

As a health insurance plan it seems to focus on getting people into healthier habits and prevention. But it seems the implementation is not always the best and sometimes feels like it is failing. Overall, they provide decent benefits, including dental. Good side benefits to motivate physical activity. It is quite a software-based (APIs etc) system though and needs a bigger team to improve functionality. Online GP system works well. Health exams easily booked. Not much to complain. Reviewed on: 23rd August 2023

Good product, lovely staff

Vitality provide an excellent product at a competitive price with lots of added extras. The staff are friendly, helpful and efficient Reviewed on: 23rd August 2023

The insurance that rewards you for looking after yourself

Our family has been with Vitality for around 5 years, and we have several insurance products through them. While we've not had to claim for anything to date - which is good in itself; after all insurance is only there for those 'just in case' moments - we've had plenty of use of the benefits that come with this product: free monthly cinema tickets, 50% off trainers once a year, the Peppy Menopause app, the Waitrose cashback (which can amount to a surprisingly high sum per month!), as well as the reimbursement for dental care. There are too many benefits to list here, some of which we've just in addition to those already mentioned, others which we will definitely use in the future. It is also inexpensive to add travel insurance to the health insurance, and the cover is great. I am also really happy with the access to two private doctor appointments per annum at a really cheap price, and the access to the online doctor. Overall, it's a fantastic product that virtually pays for itself over the year - providing, of course, that you keep moving to gain your points! Excellent product. Reviewed on: 22nd August 2023

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

Seem to do all possible to not pay a claim

Moved my Company's Insurance from AXA to Vitality - what a mistake! Will be going back at the end of the year. Tried making a claim today and after a 20 minutes wait eventually got my call answered. Spent 30 minutes explaining that I needed physio after a sporting injury and after being put on hold twice eventually was told that my local physio would be good to use. BUT I couldn't arrange myself, I had to go through another triage with Nuffield the following day for 30 minutes to explain everything again to them that I had explained to the Vitality lady..This claim will probably take me nearly 90 minutes to make...with AXA these calls were 5-10 minutes and the staff on the phone could give you the go ahead immediately...Vitality are seemingly doing everything possible to waste yours (and their) time which is why it takes so long to get the phone answered! Reviewed on: 5th July 2023

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