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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.43 (218 reviews)

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1.37

Based on 218 reviews, last reviewed 27th Nov 2025

100% increase in 5 star reviews

in the past 90 days

600% 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

Save yourselves I’ve had a disappointing experience with Vitality after being a member for a year. I initially took out a policy from September to September, and rais... Read more Reviewed on: 27th 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.

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Vitality Health insurance reviews (218)

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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