We're often asked how much Vitality health insurance costs, so we've got quotes for a range of ages and policy types to guide you on what to expect. As we will reiterate several times in this guide, the prices we share are merely examples; the price you will pay will be different.
The pricing included in this post is meant only as an example. Quotes were obtained on 1st January 2022, using fictional information. Vitality may not be the best health insurance company for you, so you should always compare the leading providers before deciding. Please click here to request a personalised comparison quote and tell us a little about your requirements.
While Vitality is one of the leading insurers in the UK, they aren't always the best fit for everyone. Before committing to a single insurer, we strongly recommend that you compare health insurance quotes to find the best provider and policy for you. There are currently 9 top health insurance companies in the UK to choose from, each with its strengths and weaknesses.
Vitality is one of the leading providers of private medical insurance in the UK; their flagship product Personal Healthcare has a five-star Defaqto rating. Alongside this, they have amassed an enviable number of positive customer reviews, which, at the time of writing, stands at over 25,000. OK, not all of those are for their health insurance offering, but still, it demonstrates the high service levels they provide. Much like any private medical insurance, a policy with Vitality gives you access to private healthcare providers in the UK.
We've written a comprehensive review of Vitality health insurance which we'd suggest you read if you're keen to understand what makes them a top provider.
Many factors will affect the cost of your policy, be that with Vitality or another leading provider. You'll have control over some aspects, such as the level of cover you opt for, whereas others you won't, such as your age! Here are just some of the things that will affect the cost of your policy:
As we said at the start of this section, you will have control over some of the above, whereas, with others, you won't. As we always say, you need to speak to an independent health insurance broker about your requirements so that you can configure the right policy for you.
One provider, such as Vitality, is often great for certain circumstances but not as good in others. Only by working closely with a broker can you ensure that you find the best deal and, importantly, get the level of cover you want from your policy.
Many of you will likely be here looking for some example costs; therefore, this section of our article is focused on that. We've obtained quotes from Vitality for their Personal Healthcare cover for various ages and applicant types.
As we've already said, so many factors impact the cost of a policy; whatever is listed here will be different to what you pay. Indeed, Vitality may not even be the best private medical insurer for you.
Earlier this year, we shared the average cost of health insurance for individuals based on nearly 700 quotes from the 8 top providers. Seeing as this page is dedicated to Vitality, we'll focus on their numbers here, but if you'd like to see how they compare, please click the link above.
Before we share the pricing with you, we need to explain how we configured the Vitality Personal Healthcare cover. Here is a summary of what we chose:
*DISCLAIMER - The pricing provided is merely meant as an example; for many reasons, the price you pay will be different. It may also be that Vitality isn't the best health insurer for you, so please speak to us before making a decision.
Based on hundreds of quotes obtained earlier in 2022, we can reveal the average cost of Vitality Health Insurance:
Please note that the cost of your Vitality health insurance will be different to a large number of factors. It's always wise to compare health insurers before buying a policy.
We've not collected as much data for couples and families, but if there is demand for it, we may do in future. For the time being, we've got pricing from Vitality based on a single location in the UK, which was chosen randomly.
Pricing methodology:
As you can no doubt see from the above, many factors will affect the prices we're about to share with you, and likely most, if not all, will need to be different for you. That said, let's share with you our findings.
Consultant Select is Vitality's name for what is commonly known as guided consultants. In effect, you agree to be restricted to a smaller pool of medical consultants in return for lower premiums. Based on our experience and research, you can usually expect to save around 20% by opting for guided consultants. However, it should be noted that by doing so, you limit your access to specialists and may find that you need to wait longer for treatment. This isn't unique to Vitality; Bupa, Axa Health, Saga and Aviva offer the same. However, some smaller providers, namely The Exeter, WPA, Freedom and National Friendly, only offer "Unrestricted access". Therefore, when comparing prices, you must understand whether the prices you're comparing restrict your access to consultants. This, among many other things, is a good reason to speak to a health insurance broker.
Read more about guided consultant lists and health insurance here.
In this section, we've looked at the cost of Vitality health insurance for couples. To keep things simple, we've based the quotes on both individuals being the same age.
*DISCLAIMER - The pricing provided is merely an example; for many reasons, your price will differ. It may also be that Vitality isn't your best health insurer, so please speak to us before making a decision.
In this section, we've looked at the cost of Vitality health insurance for a family of 3. For this article, we told Vitality that the adults were always the same age as each other, and the child's age was fixed at ten.
*DISCLAIMER - The pricing provided is an example; for many reasons, your price will differ. It may also be that Vitality isn't your best health insurer, so please speak to us before making a decision.
In this section, we've looked at the cost of Vitality health insurance for a family of 4. For this article, we told Vitality that the adults were always the same age as each other, and the children's ages were fixed at ten years old.
*DISCLAIMER - The pricing provided is an example; for many reasons, your price will differ. It may also be that Vitality isn't your best health insurer, so please speak to us before making a decision.
In this section, we've looked at the cost of Vitality health insurance for individual retirees. Vitality provides cover up until your 80th birthday; thus, our research stops at 79. As you can see, health insurance during retirement becomes quite costly.
Disclaimer: This information is general and what is best for you will depend on your personal circumstances. Please speak with a financial adviser or do your own research before making a decision.
The average cost of a Vitality health insurance policy is £71.70 per month. However, that is an average for all age groups, and numerous other variables will affect the cost of your policy.
You can reduce the cost of your Vitality policy by increasing your excess, changing your hospital list, reducing your outpatient cover, and removing any extra extras you may have added.
The best way to reduce the cost of your health insurance, be that with Vitality or another insurer, is to work with an independent broker and compare the market thoroughly to find the best deal for you.
Most health insurance policies will increase in cost each year, mainly due to you getting older and potentially due to any claims made. There are occasions when the price won't rise due to a special promotion from the insurer, but this isn't the norm. For this reason, we recommend that everyone should review their policy each year. Our health insurance renewal service removes the hassle of finding the best deal for you as our brokers do all the leg work and report back to you with their findings. This ensures that you're always paying a fair price and aren't being taken for a ride by any insurer.
No, the price of health insurance is the same whether you buy it directly from a provider or through a broker. The added benefit you get with a broker is that they are independent of the insurer, and they'll not only help you configure your policy but also find you the best deal.
Please click here to request a quote, and one of our FCA authorised advisers will perform a market review on your behalf and provide you with customised pricing.
Yes, Cancer cover is a crucial part of Vitality's core health insurance policies, providing extensive coverage for cancer treatment.
No, Vitality, much like all health insurance providers, doesn't cover chronic conditions. Health insurance is designed to cover the cost of treating acute medical conditions, which can typically be cured with a course of medical treatment.
The higher your excess, the less you'll pay monthly for your health insurance. However, the responsibility to pay that excess should you claim comes with that.
All health insurance providers, including Vitality, exclude pre-existing conditions.
Typically, therapies include physiotherapy, chiropractic treatment, acupuncture and other alternate therapies.
Generally speaking, when we say a policy is comprehensive, we mean that it covers you for inpatient, day, and outpatient treatment. Typically, all policies include inpatient and day-patient treatment, but the addition of outpatient cover makes it comprehensive in our eyes.
Major dental treatment is typically included in your core cover. However, routine dental treatment, like regular check-ups and trips to the hygenist, won't be.
This is a complicated question as the NHS plays a vital role for all of us. That said, the NHS is under unprecedented strain, and you can usually be diagnosed faster and treated sooner with private treatment.
Save up to 37%* on your insurance by comparing policies
*Based on 461 quotes between 01/22-01/23