Step 1Get an open referral from a GP
(Vitality GP app or NHS GP)
VitalityHealth is a UK based company specialising in private medical insurance, with over 1 million UK customers. The company is a subsidiary of Discovery Limited, and forms their UK offering alongside VitalityLife and Vitality Corporate Services.
The Vitality brand is well-known for its incentive-based model - encouraging healthy living in exchange for rewards.
Vitality was created in 2004 when Discovery and Prudential launched PruHealth to combine Prudential’s UK distribution with Discovery’s Vitality product which was already available in South Africa. In April 2010 Discovery acquired Standard Life Healthcare and merged it with PruHealth. In 2014, Discovery became the sole owner of PruHealth and rebranded to become VitalityHealth.
Vitality’s Personal Healthcare is their main health insurance policy for UK customers. The policy covers inpatient care in full and some outpatient care. There are a number of optional add on extras to enhance the policy. Vitality’s insurance rewards you for being healthy to encourage you to live a healthier life, as well as protecting you when things go wrong.
Private GP service (in person) you can see a private GP with an in-person appointment for £20 if you’ve included London Care as your hospital list.
Digital GP service Online consultations with UK-registered GPs within 48 hours with the Vitality GP app. As well as a 24/7 GP telephone line.
Healthy Living Discounts and Rewards to encourage you to stay active and healthy.
Mental Health Cover as part of your core cover - including counselling and cognitive behavioural therapy.
Included as a base to your cover with Vitality Personal Health are the following benefits.
|In-patient and day patient treatment||Including hospital fees, consultants’ fees, diagnostic tests and MRI, CT, PET scans.|
|Vitality GP||Video consultations with a Vitality GP and 24 hour telephone access through the Vitality GP helpline. Up to £100 for investigations and private prescriptions when referred or prescribed by a Vitality GP. More on Digital GPs.|
|NHS Hospital Cash Benefit||In-patient treatment £250 per night up to a total of £2,000, day-patient treatment £125 per day up to a total of £500|
|Out-patient Surgery||Full cover for out-patient surgery.|
|Childbirth Cash Benefit||£100 benefit for each child|
|Home Nursing||Full cover if recommended by a consultant|
|Private Ambulance||Full cover where medically necessary|
|Parent Accommodation||Full cover for one parent of children under 14|
|Oral Surgery||Full cover for specified procedures|
|Pregnancy Complications||Full cover in specified circumstances|
|Lifestyle Surgery||Up to 25% contribution to the cost of consultations and package treatment for specified corrective and weight loss surgeries.|
|Talking Therapies||Up to 8 sessions per plan year of Cognitive Behavioural Therapy or counselling (this benefit does not apply if Psychiatric Cover is selected)|
Additional optional extras are available to enhance your policy to suit your individual requirements:
|Out-patient cover||In addition to the out-patient surgery covered in full in the core cover, you can add this benefit on to include: consultations, consultants' fees, out-of network physiotherapy (max £35 per session) and diagnostic tests such as blood tests and x-rays will be covered to the chosen cover limit. Limit options: £500, £750, £1000, £1250, £1500, full cover|
|Out-patient diagnostics||Full cover for out-patient diagnostics can be added so that out-patient diagnostic tests, such as blood tests and x-rays, are covered in full.|
|Therapies Cover||Chiropractic treatment, osteopathy, chiropody/podiatry, acupuncture, homeopathy, and two consultations with a dietician following GP or consultant referral. Limit options: £350 or full cover|
|Psychiatric Cover||In-patient, day-patient and out-patient psychiatric treatment. Limit options: £15,000 / £20,000. Out-patient psychiatric treatment is covered up to £1,500 within the limit.|
|Cancer Cover Options||Your plan automatically includes advanced Cancer Cover within the core cover.|
|Extended Cancer Cover||The extended cancer cover option includes full cover for: out-patient diagnostic tests and consultations, radiotherapy, chemotherapy and follow-up consultations, biological therapies, hormone and bisphosphonate therapies, cancer surgery and reconstructive surgery, stem cell therapy, end-of-life home nursing £1,000 per day, up to 14 days per plan year.|
|Cancer Cover||The standard cover applies a 12 month limit on the use of biological therapies as well as a three month limit on hormone or bisphosphonate therapy when prescribed on their own.|
|Dental Cover||Cover for major and routine dental treatment including emergency dental work after an accident.|
|Worldwide Travel cover||Up to £10 million cover for emergency medical expense abroad plus benefits including lost luggage and cash benefits for delayed flights.|
Like most leading insurers, Vitality health insurance is intended to cover acute conditions as opposed to chronic conditions, such as diabetes. All exclusions will be listed in your policy documents. As standard, Vitality does not cover:
In addition to your core cover Vitality provides further perks.
Vitality Personal Health policy offers the below options for how your policy is underwritten:
For more definitions of terms, please see our glossary.
Vitality offer a number of excess options you can choose for your policy. An excess is the amount you agree to pay towards a claim. The higher your chosen excess, the more your premium will reduce. The following amounts are available with Vitality:
£0, £100, £250, £500 or £1000
Step 1Get an open referral from a GP
Step 2Choose a specialist from
Step 3Contact Vitality through Care Hub,
Yes! The NHS is available to all UK citizens with or without insurance. Any treatment for pre-existing and chronic conditions will still be treated by the NHS, as well as any emergencies. If you choose to have inpatient or day-patient treatment on the NHS, that you would be eligible to claim on your health insurance for, Vitality will pay you an NHS cash benefit up to £2,500 per year. For more on how health insurance works alongside the NHS, check out our blog post on the subject.
All of Vitality’s plans include Advanced Cancer Cover, paying for both your in-patient and out-patient treatment in full. Should you wish to be treated at home, Vitality will cover the costs of at-home chemotherapy as long as your consultant agrees. If your cancer is no longer treatable, Vitality will pay for home nursing to relieve your symptoms up to a monetary value.
Vitality’s excess options range from £0 to £1,000. Vitality give you the option of paying the once per year or once per claim. The excess options you choose will impact the premium you pay – the higher your excess, the lower the premium you pay will be.
Vitality’s core cover includes eight therapy session per year and gives you access to 24/7 support service. Mental Health Cover can be added at an additional premium including unlimited therapy sessions, as well as inpatient, outpatient and day-patient up to a monetary value.
As part of their core cover, they will pay for surgical removal of impacted teeth and jawbone cysts. Should you wish to add Dental cover to your plan, you have the option of major dental treatment or major and routine dental treatment. Major dental treatment will cover you for root canals, dentures, crown and bridges. Major and routine dental treatment will cover everything included in major dental treatment, aswell as your routine check-ups, filling and dental x-rays.
We are blessed in the UK to have a National Health Service, so health insurance is not a legal requirement. Health insurance provides the peace of mind however that should you require treatment you can access private health services and avoid NHS waiting times. We believe there is a policy to suit everyone. To read more, see our Guide to Health Insurance.
Here at Usay Compare, we can help you to compare prices and cover from the market leading UK health and life insurance companies such as Aviva, AXA and Bupa. Our service is completely free of charge and we are totally independent and impartial.
Our unparalleled team of friendly, expert advisers are on the end of the phone, ready to guide you easily through the whole process. They will get to know your unique individual requirements, do all the hard work comparing prices and policies for you; then advise on the best and most cost-effective quote.
Below are our in-depth guides to help you decipher the various health insurances available and learn more about how they work. Don't forget our advisers are always at the end of the phone to offer free, expert advice should you prefer to speak to someone in person.
For more expert advice on the top UK Health Insurance companies, click below.