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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.43 (219 reviews)

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1.37

Based on 219 reviews, last reviewed 9th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

800% 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

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

not a real health insurance really.

not a real health insurance really. they specialise in providing gadjets, vouchers and coupons. when medical health is needed, they're not there for you. flew abroad for treatment in the end, far easier and less hassle. Reviewed on: 10th January 2024

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

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