Be rewarded for every step

Our Insurance pay's you to be more active and rewards you with the things you want


We can help you switch your lifestyle

Get on the road to fitness with Vitality rewards


Get the fitness Bug

Fitting rewards for getting fitter

Life Insurance


With Vitality’s Life insurance you’re not just protecting your family’s future, you’ll also enjoy access to a range of discounts and rewards that help you to get more out of life.

Vitality Life insurance cover at a glance

  • You can choose to add Whole of Life Cover, incorporating Lifestyle Care Cover which gives you access to some or all of your life cover early if you need it to look after yourself as you grow older.

  • Your policy pays lump sum payments in event of death, or if you’re diagnosed with a terminal condition.

  • If you wish, you can add ‘Vitality Optimiser*’ to your plan for access to enhanced benefits and rewards, an upfront discount on your protection premium* and the opportunity to keep it low in the future. (*Applies to Life Insurance plans only)

  • Their Mortgage Plus option combines life benefit and cover as well as the costs of living in the event of a serious illness.

Award-winning health insurance

  • Income Protection Insurance from Vitality enables you to protect your income.

  • Should you suffer an illness, injury or disability that leaves you unable to work, Income Protection Cover from Vitality provides you with a monthly tax-free income to cover your essential bills until you’re well enough to go back to work.

  • Choose from a range of cover options to suit your budget – from short-term 5 years to long term until retirement .

Health Insurance

Why choose Vitality Health?

VitalityHealth offers better care, in the form of award-winning Private Medical Insurance. It also puts an equal focus on better health, by helping you stay healthy. This combination of bringing the two together into one truly integrated offering is the real power of Vitality. As you benefit from better health, it enables us to share some of the insurance savings that emerge in the form of better product benefits and incentives – fuelling a virtuous cycle

What is health insurance?

Private Medical Insurance (PMI) in the UK provides access to high-quality private medical facilities and medical treatments, at a time and place to suit you. It also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions. This could be anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery or biological therapy for the treatment of cancer.

What does health insurance cover?

Private medical insurance is designed to cover the cost of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery.

It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – these are still treated within the NHS. Private medical insurance also won’t cover any pre-existing conditions that you may have when taking out a plan.

How does private medical insurance work?

For the majority of claims, medical treatment begins with a GP referral for specialist treatment. This can either be your NHS GP or a private GP. Any onward treatment is managed by working closely with your private medical insurer, to ensure that you have quick and easy access to the right medical treatment.

How is private medical insurance different from the NHS?

Private medical insurance is designed to work alongside all the services offered by the NHS, but focuses on providing quicker access to treatment for acute medical conditions. PMI members can still use all services offered by the NHS. But with pressures on the NHS to meet healthcare demands growing rapidly, compounded by increasingly stretched resources, PMI can play a complementary role.

In-patient and day- patient treatment

Full Cover for hospital fees, consultants fees and diagnostic tests as well as out-patient surgical procedure’s.

Cancer Cover

Everyone gets comprehensive Cancer Cover as part of core cover. Adding Vitality’s extended cancer cover ensures there will be no limits on the use of biological hormone and bisphosphonate therapies

Vitality GP

Offers 24/7 access to a private GP helpline, video consultations within 48hours and up to £100 towards private prescriptions and minor diagnostics tests.

Vitality Care

Vitality’s team of medical professionals and trained case managers are ready to offer help and advice, whenever you need them.

Home nursing
Private ambulance
Oral surgery
Parent accommodation
Corrective surgeries
NHS hospital cash benefit
Pregnancy complications
Childbirth cash benefits
Weight loss surgery
Talking therapies