Vitality Health Overview

Vitality Health are owned by Discovery Holdings, which is a south African based financial services group. This health insurers core focus is enhancing and protecting your health, as well as encouraging you to live a healthy lifestyle.

By incentivising members to be healthier, not only do they benefit from improved health and wellbeing, but Vitality Health as an insurer benefits from insurance savings from healthy members who are less likely to claim. These savings allow us to offer comprehensive cover and a wide range of member benefits.

Health Insurance Awards

Moneyfacts – Best Private Medical Insurance Provider (2019)
Cover Excellence Awards – Best Individual Provider (2018)
Personal Healthcare 5* Defaqto Star Rated

Vitality Health Insurance Review

  • On new underwriting terms they offer the Mori+, which means subject to favourably answering a medical question, you could be eligible for up to an additional 15% discount.
  • They do not limit outpatient scans and tests like some other insurer’s. If not opting for full outpatient cover, you should ask your advisor to ensure the full diagnostics option has been selected.
  • Vitalityhealth cover in network physio therapy in full, as standard when any outpatient cover is selected.
  • Vitality were the first to market with a private GP option. They have now been offering the Vitality GP App as standard, on all policies for over 2 years.
  • They also offer a very attractive rewards and partners programme, with discounts on anything from Gym memberships, Hotel stays and the lastest gadgets from brands like Apple.
  • They also offer a very attractive rewards and partners programme, with discounts on anything from Gym memberships, Hotel stays and the lastest gadgets from brands like Apple.
  • Choice of 4 different hospitals lists to suit varying needs and budgets.
  • On switch terms they will offer to beat any other recognised health insurer’s policy cost, by up to 10% and match the level of cover you have in place.
  • Vitalityhealth do not have a “no claims discount”, their pricing structure couldn’t be any clearer with their ABC pricing system, for more information please get in touch.
  • Maximum joining age of 79.
  • No option for face to face private GP.

Vitality Health Insurance Policy

VitalityHealth’s Personal Healthcare plan is designed for individuals resident in the UK, who want to insure against the costs of unexpected private medical treatment for themselves and their family. It helps them to get healthier by offering discounts at a range of health partners, and incentivize them to stay healthy through a programme of rewards. By engaging in healthy living they can also help control their premiums.

Inpatient Cover

  • All plans start with Core Cover, which has a variety of benefits.
  • Includes full cover for a range of hospital fees, consultant fees and diagnostic tests.

Outpatient Cover 

  • Outpatient add on but as part of core cover Out-patient surgical procedures are covered. 

Additional Benefits

  • Vitality GP – A uniquely integrated virtual GP solution where you can gain wellness advice, onward referrals, physiotherapy appointments and mental health services.
  • Full Cover Promise – As part of the Core Cover, VitaityHealth promise to pay for recognised consultants’ and anaesthetists’ fees in full for in-patient and day-patient treatment. This means that you will not be faced with a shortfall – provided the treatment is eligible.
  • Unique Reward System – Instead of a No Claims Discount or Community Rated policy, VitalityHealth calculate the discount for your renewal using an ABC pricing style:  – Age – Base rate medical inflation – Claims. Vitality also give you the chance throughout the year to earn a discounted claims impact. If you can show them that you are generally fit and healthy by tracking activity then the claims increase actually gets smaller as you move up activity levels.

Download the ABC Pricing Guide 

  • Advanced Cancer Cover – Comprehensive cancer cover in full
  • Rewards & Discounts – VitalityHealth have a range of partners offering discounts, for example Starbucks, Virgin Active, Amazon Prime and Cineworld – See a full list of VitalityHealth Partners.

* Findings are based on 49 clients, over the last 3 months who already had a live policy in place.

Benefits Healthcare Clarity



Healthcare Clarity is a Vitality Health intermediary. We are authorised by the financial conduct authority (FCA) to give clients advise on private medical insurance plans. Our service is free to clients and we are paid a percentage commission on the business placed with the health insurer. This does not mean you will pay more by using our service.