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Vitality: Health insurance reviews

Name: Health insurance
Rating: 1.44 (215 reviews)

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1.38

Based on 215 reviews, last reviewed 29th Oct 2025

100% increase in 5 star reviews

in the past 90 days

No new 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

They do not like paying out. This company are very good at taking your money but do not like paying out when you make a claim I have been paying for heath insurance for 50 years a... Read more Reviewed on: 29th October 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 (215)

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

Umbrella until it begins to rain

First time my wife tried to use the policy for a potentially cancerous diagnosis scan she was told she would have to wait for the results of her NHS scan which was scheduled 10 weeks later. When this was raised with Vitality their response was: "we do not support with primary care referrals. Being referred for a scan that is not under the care of a consultant falls under the primary care bracket, following that scan if there is anything that the GP wishes to refer you then from that moment it is then secondary care where we can then look to support you from" Reviewed on: 12th October 2022

Used to be good . . . . go elsewhere

We have had both company and personal health insurance with Aviva for over ten years and had very few issues at all with them. We switched to Vitality two years ago after an unsatisfactory experience with Aviva, and initially they were great. Not so much this year. One month after renewal we tried to make a claim and oh dear me . . . . over an hour on the phone, bounced from one advisor to another and then put on hold for 40 minutes before we hung up. Still trying to get the claim set up, now on a second call for 23 minutes and counting, back on hold . . . . Until Vitality spend money on the core services they sell to their customers instead of splashing millions on their sports and event marketing they should be avoided. I'd suggest going with Aviva or another provider. We'll be going back to Aviva when this policy expires. In my opinion Vitality are all about the image, and don't appear to give a monkey's about their customers. Classic old school aggressive sales, followed by atrocious product delivery. They don't deserve your money. They deserve to go out of business. Reviewed on: 6th October 2022

Vitality are crooks and amateurs

Absolutely shocking customer service. On the phone for over an hour every time I try and contact Vitality. Never any acknowledgment of correspondence- might as well be emailing or posting into the ether. The most amateur operation I have come across to-date. Clearly multiple people dealing with each claim so you get sent round in circles and get nowhere. Vitality go out of their way not to pay out while sending you on a wild goose chase. What a complete waste of time and money. I will tell everyone I know never to use vitality. They are crooks Reviewed on: 30th September 2022

Been a member for one week and that is too long

If I could give 0 stars I would, been on hold to vitality for over 2 hours… their customer service team are all absolute imbeciles Reviewed on: 7th September 2022

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