Vitality health Insurance Review
Vitality health insurance is provided by leading UK health and life insurer Vitality. Their range of comprehensive health insurance plans protect families and rewards them for leading a healthy more active lifestyle.
Who is Vitality Health?
Vitality health and Vitality Life, formally known as Pruhealth and Pruprotect are owned by leading global insurer Discovery Holdings. Having joined the UK market in 2007 in a joint venture with Prudential plc, Discovery holdings purchased 100% of the shares in 2014, launching Vitality health and Vitality Life.
What products do Vitality Health offer?
Under the Vitality umbrella, Vitality Health, Vitality Life and Vitality Invest offer the following products:
- Health insurance
- Life insurance – term and whole of life
- Serious illness cover
- Income protection
- Mortgage protection
- ISAs
- Retirement plans
Vitality health insurance
Vitality health insurance offers one of the UK’s most comprehensive private medical insurance plans. In-patient and day-patient care, advanced cancer cover, 24-hour access to GPs and mental health support are all included as standard. Plus, Vitality’s flexible cover options helps you tailor your health insurance to suit your needs.
In addition to their health cover, Vitality also promote healthier lifestyles, providing tools, information and rewards, encouraging their members to get active.
How does Vitality health insurance work?
All Vitality health insurance members get comprehensive core cover as standard. You then have the option to tailor your private healthcare plan to suit your needs by choosing from their list of cover options.
Vitality health core cover – included as standard
- In-patient and day-patient treatment
- Vitality GP
- Advanced cancer cover
- Vitality Care
- Consultant Panel
- Mental health support
Vitality health cover options – tailor your plan by adding one or more of the following
- Out-patient cover
- Therapies cover
- Mental health cover
- Dental cover
- Worldwide travel cover
Compare quotes for the best deal
What’s covered in the Vitality Health Insurance Plan
Two levels of cover offering full out-patient cover or out-patient cover with a limit for consultant’s fees, out-patient diagnostics such as scans, blood tests, x-rays, radiology and pathology.
Switching your existing health insurance to Vitality Health
Switching to Vitality health insurance from your existing insurer is straightforward and has saved their existing members an average of £138. To ensure your health cover is continuous, they simply ask you not to cancel your existing health insurance provider until they have accepted your application - please note that you can switch from your current provider at anytime.
Reasons you may consider the Vitality Health Insurance Plan
- Award winning health insurance – rated 5 star by Defaqto
- 24/7 access to a private GP helpline, with private GP video consultations within 48 hours
- Flexibility to tailor the health insurance to your requirements
- Includes health advice and rewards that save money and help promote a healthier lifestyle
- Treatment selected by medical experts – not insurers
Vitality apple watch
The Vitality apple watch is available to eligible Vitality health members with minimum monthly premiums of £35. The upfront cost of the Vitality watch is £99 plus 24 monthly instalments of £0 to £12.50, based on activity level. The more you do, the cheaper your Vitality apple watch will be.
Vitality rewards
As a Vitality health member, you benefit from the Vitality rewards scheme. The online health review, health check and tracker help you set goals, get fit, monitor your activity and earn Vitality points. These Vitality points then give you access to discounts and savings with Vitality’s team of reward partners.
Vitality partners
The Vitality reward partners include but are not limited to:
- Apple
- Amazon Prime
- American Express
- Waitrose and Partners
- Virgin Active
- David Lloyd Clubs
- Cineworld Vue
- Starbucks
- Mr and Mrs Smith
Next steps
My review of Vitality Health Insurance is designed to help you compare plans and find the best option for you. I would always recommend that you review all of your options to ensure you’re getting the best deal that suits your budget and needs.
To get a Vitality health insurance quote, you can either go direct to Vitality Health or use our free comparison service provided by First Choice Health and Protection. First Choice compare the whole of the market, providing advice on the UK’s leading private health insurance providers.
Our advice
Whilst Vitality Health offer some good options, as with any company their competiveness will depend on your age and individual circumstances; our advice is to always compare the market and speak to an adviser who will find the best deal to suit you.
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