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Vitality: Health Insurance reviews

Name: Health Insurance
Rating: 1.43 (209 reviews)

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1.41

Based on 209 reviews, last reviewed 2nd Jun 2025

No new 5 star reviews

in the past 90 days

33% increase in 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

Appalling claims process and administration. Appalling claims process and administration. An absolute communication disaster, who on earth gets paid to run an organisation like that? Why have an ... Read more Reviewed on: 2nd June 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 (209)

Review of the Vitality, Health Insurance:

Horrible

Wouldn't cover our 8 month old daughter who is on our plan to see an allergist for food allergies despite her now having 3 allergic reactions to different foods and her gp filling out her claim form. Waste of time, waste of money, fuelled by greed and regret not just paying out of pocket for the whole allergies thing than wasting a month dealing with these idiots and compromising my daughters health. Reviewed on: 12th November 2018

ABSOLUTE CROOKS - SHODDY OPERATION

Still trying to get settlement on a straight forward claim for a broken tooth - into a 5 month wait, numerous phone calls (each taking over an hour) three claim forms, every excuse under the sun as to why they can't pay out - what a bunch of crooks. AVOID AT ALL COSTS! Reviewed on: 14th December 2022

Website is awful. Cannot make simple requests for updating valid claims. Always have major problems with member zone log in. Calls never answered, always left waiting.

I need to update my claim having seen my specialist. Simple exercise you would think but never able to do simple tasks. website is a most user UNFRIENDLY site i have ever used. Reviewed on: 28th November 2022

It's a scam

Looking at what's on my membership plan, you just have to say wow! What a package.. then reality strikes, you try to use their services, your benefits. Book an online appointment with a GP... the quickest appointment is a couple of days from now. Book a face to face... well only if you are in London or surround area. Try to make use of their hospital benefit to get transferred to a Vitality room or hospital, fill in a claim form and wait 5+ waiting days... by which time you are most likely out of hospital. We'll cover 100% of your dental costs... no they will cover 100% of the time at 20% of the costs. The list goes on. The website is confusing to use (intentionally so), the auto attend when you call in is even worse. It steers you away from asking for help. I suspect if you have a long term predictable condition and are patient you will get some benefit... but remember, they won't cover that pre-existing long term condition for a couple of years. So the only way to benefit out of this is if you develop a long term condition after joining them and persistence. You might get something out of it. You call them for help, go from department to department, then eventually... we are putting you through to another department but I will also schedule a call back in case you are disconnected: It's a long wait time. How long will it take for them to call you back... a couple of days. There is no urgency, no help. Their promises are carefully worded so that you can't make use of it. Reviewed on: 21st November 2022

I wish I had never taken out a policy with them

Totally useless! I am fed up to the back teeth of contacting them. After 6 months of holding my policy, I still can’t log in online or on the mobile app. I have complained, but no one gets back to me. I’ve tried to log my first GP appointment this morning, but again it won’t let me in. Please don’t waste your time or money! Reviewed on: 6th November 2022

Do not trust sales agent

I have purchased both health insurance and eligible life insurance plan. My premium was nearly £100 a month. I was reassured that my first payment will be taken in October and then nothing until November. Unfortunately I seen on the policy schedule that there are two payments due in October so I was given incorrect information. After questioning it agent confirmed that is correct schedule and nothing can be done about it. I was a bit surprised by this attitude so I began to be concerned about other rewards that were promised to me: As I bought health insurance and added life insurance between July and September sales agent reassured me Im eligible for a two month cash back and a £200 amazon voucher. After the issue with payment schedule I have questioned my eligibility with one of your colleagues who have checked and confirmed Im not eligible for the amazon voucher as this is only for the customers who had health insurance before July and then bought life plan before September. How I can summarise this: horrible bunch of con artist who wriggle back even of the sales promotions so I can’t even imagine having to make any claim. Please do not be tempted by a nice looking app and rewards system as this isn’t working the way it should anyway as well as points are constantly missing and not added for things like peloton workouts etc. I will now do everything I can to take my business elsewhere and have nothing to do with this company ever again Reviewed on: 26th October 2022

No one exists at Vitality

My son had a skin issue. It took a few days to be able to just book an online appointment. I first book and just as the appointment was about to start, it was cancelled, saying my son's id was not validated, even though he had seen an online doctor a few times before. We eventually did see a doctor, and I asked for a referral to a specialist. The doctor said that Vitality will contact me to handle this, the doctor herself could not do anything, is she could not write a referral letter herself. It has been a month and I have not heard from them. When I contact them by phone and even whatsapp, there is no human person that responds. Basically, Vitality, doesn't even exist! It's a scam. Reviewed on: 22nd October 2022

You would wait as long as NHS, maybe longer

I have been told that having private health care means no wait when you have any health issues, so I went for Vitality. I got a referral letter from my GP, and sent it over to Vitality, but they rejected it and asked me to get another one. So I spend £50 on their appointed face-face GP, and get another referral letter, and now I have been waiting for 2 months for a reply. I tried to call, but it took them one hour to answer and told me they can't help, I am not ringing the right team when they only have one number. So, Overall, NO! Reviewed on: 18th October 2022

SHAMEFUL

Please avoid Vitality at all due costs. Customer service is shocking, they go out of their way not to approve a claim, it's impossible to speak to a human, you will lose hours and days of time chasing them and their administration is an embarrassment. I wish I had bitten the bullet and left sooner. Reviewed on: 17th October 2022

Absolutely terrible

Trying to get in touch with anyone is terrible. Trying to make a claim is the most stressful experience such bad customer service. I should of read the reviews before taking out policy. Stay away from this company. Reviewed on: 15th October 2022

Failure From Day One

Scheduled a GP call for my wife last Sunday for Monday morning. No call, no follow up, no rescheduling, heard nothing Called today to raise a complaint, they have no record of me, my employer, my wife or dependents that I pay for. Guess what, no more money for you charlatans. Reviewed on: 14th October 2022

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