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Vitality is a UK-based company that provides insurance services, investments, and pension plans. It was founded in 2004 as a joint venture between Prudential Plc and the South-African company Discovery Ltd. The idea was to offer a new kind of health insurance that would cover illness while providing incentives for people to stay healthy.
Upon acquiring Standard Life Healthcare in 2010, Discovery Ltd emerged as the UK's fourth-largest private medical insurance provider. Eight years later, Vitality had approximately 1 million international health care customers.
Below we provide a comprehensive vitality health insurance review and answer several essential questions you may have before you opt for this insurance company. We also include cover prices, cover options, and examples.
Vitality's private medical insurance policy provides all of these benefits, plus more if you choose optional coverage:
Insurance policies offered by Vitality have great ratings by independent institutions and a good reputation for payouts. Over 23,400 customers have reviewed them on Trustpilot, a well-known review platform. 77% of these customers have rated the company 'Excellent' and 'Very Good,' and it received a 4.3 TrustScore.
Though there are a few unsatisfied customers, Vitality has garnered mainly positive views, with customers appreciating its policies and exceptional customer support. This indicates the high standard of service they offer.
Additionally, Vitality has received a 5-star rating on Defaqto.
Several factors will determine the insurance cost. Firstly, it is defined by your age, postcode, and current health status. And secondly, by the level of insurance cover you choose. It may be more expensive to pay for optional extras, but they will also provide you with greater coverage in case of illness.
With Vitality Health, you can opt for various optional benefits that won't lower your premiums but may help manage your costs once you have coverage.
|Type||Health Insurance Premium|
|Starts From||£35 per month.|
|Factors Included in Cover||Age, current health status, lifestyle factors, and excess options.|
The table below is an example of the pricing structure of Vitality's health insurance:
|35 Years of Age||45 Years of Age||55 Years of Age|
|Basic Health Insurance Cover|
|£ 39.78||£ 54.80||£ 78.19|
|Comprehensive Health Insurance Cover|
|£ 86.10||£ 102.96||£ 138.33|
Vitality's standard health insurance package, or core cover, will include hospital treatment, such as diagnostic scans, oral surgery, and hospital stays. The package can be extended to include cover options, such as therapies, mental health, hospital lists, and more.
|Cover Options||Inclusion in Core Cover||Additional Pay|
|Private Hospital Stays||Yes||No|
|Optical, Dental, and Hearing||Yes||Yes|
|Any treatment you receive outside the UK||No||No|
|Pregnancy, childbirth, and related conditions||No||No|
|Emergency treatment or visits to your NHS GP||No||No|
|Any treatment for dementia, learning or behavioural problems.||No||No|
|Any treatments or practices that are experimental, unproven, or unregistered||No||No|
Comprehensive core cover is Vitality's standard package and includes the following:
This covers medical treatment which does not require hospitalization. The outpatient cover is available as an optional extra in Vitality's health insurance plan.
|Scans and tests for diagnosis||Yes|
|Physiotherapy||Yes (If availed through Vitality's Priority Physiotherapy Network)|
A hospital bed is required for all medical treatment provided to an inpatient or day patient, with an additional fee for consultants. It may be overnight or just for the day.
|Inpatient and Day-patient Cover|
|Treatment in Hospital||Yes|
|Fees for Specialist or Consultant||Yes|
|Scans and Tests||Yes (based on inpatient admission eligibility)|
Since obesity can lead to additional life-threatening medical conditions like heart disease, diabetes, etc., Vitality covers gastric bypass/ gastric banding when eligible and required.
Vitality also covers any surgical procedure or treatment for prominent ears and port-wine stain birthmarks because these conditions may affect young people emotionally. 25% of the full cost is charged if the insurance has been held for less than 12 months.
These are paid by Vitality in full cover. Vitality provides physiotherapy under outpatient care, but this option adds chiropractic treatment, acupuncture, osteopathy, chiropody/podiatry, homoeopathy, and up to two dietician consultations after a GP recommendation.
Inpatients, day-patients, and outpatients have access to unlimited treatment and therapies. It covers the following expenses:
Vitality's dental cover has two options:
This is an alternative for anyone who is 64 years or below and requires travel more than usual. It covers up to £10 million in international emergency medical expenditures for up to 120 days.
The hospital list influences the facilities you may utilize for private healthcare and the cost of the premiums. Since some hospitals are costlier than others, having access to a more significant number of private institutions raises prices. Hospital listings at Vitality are divided into three categories:
As an individual health insurance holder, you get to pick how your insurance provider will evaluate you. There are two medical underwriting alternatives available via Vitality:
Full medical underwriting: When you apply for insurance, you must reveal your medical history.
Underwriting moratorium: Vitality will not ask for any medical information until you file a claim.
These are two quite distinct prospects that can influence how your insurance plan decides on pre-existing condition exclusions. Your circumstances will determine which underwriting option is appropriate for you.
The Premier Consultant Cashback–which ranges between £20 and £50 depending on Vitality status – ensures that members receive a monetary advantage and certainty that they are seeing a consultant who is a member of a panel.
Vitality offers some additional benefits that you can avail yourself of freely with Vitality Health Insurance. They are:
Vitality provides some optional extra cover options you can add to enhance your health insurance policy:
You may add an excess to your policy with Vitality, which is the total amount of money you decide to pay ahead for personal medical treatment. The monthly premiums will be cheaper if you have a more considerable excess.
Even if you make many claims within a policy year, if you opt to pay your excess once each policy year, you will not have to pay it again during that period. When you choose to pay once per claim, on the other hand, you pay the excess on each claim you make.
You don't have to add excess and pay for therapy if you don't want to. Through Vitality, you also have the choice of paying your excess either once every insurance year or once each claim.
Vitality's excesses options include:
Vitality does not cover the following costs:
No, Vitality does not cover pre-existing conditions. Policies may be different for different insurers.
You have the option of selecting a higher excess which will lead to lower premiums. You can also participate in the Healthy Living Programme to boost your Vitality level.
Yes, you can switch to Vitality while having another health insurance. The existing cover will not be cancelled before Vitality has accepted your application.
If you want to cancel your health insurance cover, contact Vitality's customer support team through their contact number or social media platforms.
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