Disclaimer

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.

The importance of comparing health insurance providers before buying

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.

Introduction to Vitality Health Insurance

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. 

What affects the cost of a Vitality health insurance?

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:

  • Where you live London hospitals and those in other major cities charge higher treatment fees, so your medical insurance will likely cost more if you live in one.
  • Your age - it's no secret that we become more susceptible to illness as we age; thus, the older you are, the more you will pay for health insurance.
  • Level of Cover - Like all of the best health insurers, Vitality will let you configure your policy to suit your requirements and budget. 
  • Excess - the amount you offer to contribute each time you claim will affect your monthly premiums. 
  • Consultants - with all top policies, you can let the insurer select who will treat you or have the freedom to choose yourself. The latter, as you might expect, costs more.
  • No claims discount - if you already have health insurance and haven't made a claim recently, you'll receive a no-claims discount, reducing the cost of your Vitality policy.
  • Therapies - chiropractic treatment, osteopathy, chiropody/podiatry, acupuncture, homoeopathy and dietitian consultations are all therapies that won't be included as standard. You can opt to have Therapies cover, which will provide you access to the above, but of course, you will pay more for your policy.
  • Mental health cover - while your policy will include a certain amount of mental health support, you also have the option to extend it.
  • Optical, Dental and Hearing Cover - this optional extra helps you cover the costs of routine check-ups and preventative care. As an optional extra, it will cost you more to include it.
  • Dental cover - you can choose between two levels of this optional additional Cover; Major Dental Treatments, which covers some of the most significant dental work, or Major and Routing Dental Treatments, which goes further and will protect you for more.
  • Your hospital list -  Vitality offers three hospital lists to choose from; Local, Country-wide, and London Care. The cost of your premiums will depend on which you choose.
  • The cost of treatments - Vitality relies on a network of private hospitals, clinics and consultants to deliver care to its members, all of which are subject to their running costs. Over time, the price of private healthcare treatment tends to rise, and with that general shift comes higher policy premiums. 
  • Your medical history - depending on your choice of underwriting, your medical history may play a role in the cost of your insurance policy. Full Medical Underwriting, rather than Moratorium Underwriting, will look at prior conditions before taking out a policy. There are some advantages of Full Medical Underwriting, namely, you get more clarity over what is covered.

Speak to a private medical insurance broker to find the best 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.

Cost of Vitality Health Insurance in 2022

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.

Vitality health insurance cost for individuals

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.

Policy configuration

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:

  • Prices are based on quotes in 10 major towns and cities across the UK.
  • We opted for a comprehensive policy with £1,000 outpatient cover.
  • We included Therapies cover.
  • The quote is based on Moratorium underwriting.
  • The voluntary excess was £250.
  • The pricing is an average of consultant select and unrestricted consultant access.
  • We didn't include Mental Health cover, although Vitality includes some mental health support in its core cover.
  • We omitted cover for routine dental treatment.
  • The individual isn't a smoker.
  • We opted for their standard hospital list.
  • They haven't suffered any conditions requiring medical treatment in the past two years.

*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.

The average cost of Vitality Health Insurance

Based on hundreds of quotes obtained earlier in 2022, we can reveal the average cost of Vitality Health Insurance:

Cost of Vitality Health Insurance
Average cost of a Vitality heading insurance policy in 2022.
Applicant age Monthly Premium in GBP
20-years-old £38.00
30-years-old £42.83
40-years-old £49.44
50-years-old £63.12
60-years-old £90.40
70-years-old £146.44

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.

How much does Vitality health insurance cost for couples and families?

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:

  • All prices were obtained on 1st January 2022
  • We used the Vitality website to get the pricing
  • We used a St Albans, Hertfordshire postcode (AL1 1HY)
  • We set the policy excess to £250 per plan year
  • Outpatient cover was set to £500
  • The policies were to be underwritten on a moratorium basis (default)
  • We opted for Consultant Select for the hospital list, and the consultant option
  • Any children on the policy were ten years old
  • We didn't opt for routine dental treatment cover
  • Where more than one adult was on the policy, they were the same age, exactly

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.

A note on "Consultant Select"

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.

Vitality health insurance cost for couples

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.

Cost of Vitality Health Insurance for Couples
Cost of comprehensive policy for two people in 2022
Applicants' age Monthly Premium in GBP
20-years-old £74.06
30-years-old £100.44
40-years-old £115.30
50-years-old £159.58
60-years-old £228.14
70-years-old £364.40

*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.

Vitality health insurance cost for a family of 3

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.

Cost of Vitality Health Insurance for Family of 3
Cost of comprehensive policy for two adults and one child in 2022
Age Monthly Premium in GBP
20-years-old £78.46
30-years-old £102.16
40-years-old £125.55
50-years-old £161.59
60-years-old £227.90

*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.

Vitality health insurance cost for a family of 4

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.

Cost of Vitality Health Insurance for Family of 4
Cost of comprehensive policy for two adults and two children in 2022
Age Monthly Premium in GBP
20-years-old £90.92
30-years-old £114.62
40-years-old £136.68
50-years-old £168.84
60-years-old £228.04

*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.

Vitality health insurance cost for retirees

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.

Cost of Vitality Health Insurance Retirees
Cost of comprehensive policy retirees in 2022
Applicant Age Monthly Premium in GBP
60-years-old £99.81
65-years-old £120.85
70-years-old £159.21
75-years-old £203.41
79-years-old £231.07

Frequently asked questions

How much does Vitality health insurance cost?

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.

How can I reduce the cost of my Vitality health insurance?

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.

Will my Vitality policy cost more at renewal?

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.

Is it cheaper to buy a Vitality policy direct?

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.

How can I get a quote for a Vitality policy?

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.

Does Vitality offer Cancer cover?

Yes, Cancer cover is a crucial part of Vitality's core health insurance policies, providing extensive coverage for cancer treatment.

Does Vitality cover chronic conditions?

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.

How does excess affect the cost of my policy?

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.

Does Vitality cover pre-existing conditions?

All health insurance providers, including Vitality, exclude pre-existing conditions.

What does therapies cover include?

Typically, therapies include physiotherapy, chiropractic treatment, acupuncture and other alternate therapies.

What is included in a comprehensive policy?

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.

Is dental cover included in Vitality's core cover?

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.

Is private medical care better than the NHS?

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.