Vitality builds its health insurance around Core Cover, with optional benefits and a rewards programme. Compare the medical cover first, then decide what the extras are worth to you.
Everyday services alongside core hospital cover
The included therapy and physiotherapy sessions are useful distinctions. They are not a substitute for checking wider outpatient and mental health cover. Hospital-list choice and reward conditions deserve separate attention.
Policy and service breakdown
These details refer to the individual plan named below. Optional cover must appear in your accepted quote.
- Plan being compared
- Plan
Full health insurance with Core Cover and optional benefits; not Health Lite.
Provider source ↗ - Hospital treatment
- Core
Eligible private hospital treatment in Core Cover.
Provider source ↗ - Outpatient consultations & tests
- Optional
Choose an outpatient limit from £500 to £1,500, or full cover for consultations and diagnostics.
Provider source ↗ - Diagnostic scans
- Check configuration
Confirm scan-specific cover with your outpatient selection; do not assume every scan shares the same limit.
Provider source ↗ - Cancer treatment
- Core
Comprehensive cancer cover included in Core Cover.
Provider source ↗ - Mental health
- Core + optional
Up to eight Talking Therapy sessions per plan year in core; broader mental health cover is optional.
Provider source ↗ - Physiotherapy & therapies
- Core + enhanced
Up to six Priority Physio sessions in core. With outpatient cover, network sessions paid in full; outside-network limits apply.
Provider source ↗ - Digital GP & advice
- Core service
Online or telephone GP access; Care Hub brings together care requests and claims.
Provider source ↗ - Hospital & consultant access
- Choice
Consultant Select or added hospital lists including Countrywide and London Care. Pre-authorisation rules apply.
Provider source ↗ - Starting a claim
- Care Hub
Obtain a referral or self-refer for certain services, then request cover through Care Hub.
Provider source ↗ - Existing conditions
- Check your terms
Read personal exclusions in plan documents. Do not assume a current symptom is covered by Core Cover.
Provider source ↗ - Price & excess
- Personal quote
An excess may be payable to the healthcare provider; Vitality tells members where to pay it.
Provider source ↗
Actual customer rating
The Vitality profile includes life insurance and wellness experiences as well as health insurance.
A closer look at customer feedback
Positive experiences
Helpful call handlers and explanations feature in recent reviews.
Concerns to investigate
Other reviews describe missed callbacks and time on hold.
Paraphrased observations from visible reviews on the linked profile, checked 26 September 2026. This is a small, non-representative sample; customer accounts are not independently verified. No individual review is reproduced in full.
Read the original customer reviews ↗What we cannot score fairly
We have not established a comparable health-only claims acceptance rate, average call waiting time or claims settlement time for this provider and all three alternatives. We therefore do not assign a numerical service-performance score.
Before you buy
Check the hospital list, outpatient options and the conditions attached to rewards. A benefit you are unlikely to use should not drive your choice.
Our assessment is based on published information, not a personal policy recommendation or first-hand claims test. Ask for the full policy wording, benefit schedule, exclusions and excess terms.
Compare all four side by side ↗