Private and family health insurance
This includes core benefits and optional extras. Differing levels are available
Who is Vitality?
Defatato rating (health insurance)
⭐⭐⭐⭐⭐ ^
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Key benefits
Stay healthy and be rewarded with Vitality health insurance. Here are a few of the key benefits.
✔ Discounts at top brands - including gym memberships and fitness trackers
✔ Rewards for staying active
✔ Tools to understand your health
Contact information for Vitality
0345 602 3523
Opening hours are Monday–Friday: 8:00 am – 7:00 pm, Saturday: 9:00 am – 1:00 pm
What health insurance does Vitality offer?
Here are the main types of health related insurance the Vitality offers.
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Business health insurance
Health insurance products for businesses that can be offered as employee benefit schemes
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Dental plans
Dental maintenance and emergency plans that reimburse or help with costs of treatment
Why trust Vitality with your health insurance?
Vitality is one of the UK’s leading private health insurers. Launched in 2004 (originally as PruHealth), it combines private medical cover with a unique wellness and rewards programme.
Why trust Vitality?
✔ 4.4 Trustpilot rating and described and excellent
✔ Quotes from £1.45 a day
✔ A number of customer service awards
Vitality example quote
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. Quote taken on 24.09.25
How do I make a claim with Vitality?
When you take out Vitality Healthcare through MoneySuperMarket your insurance is provided by Vitality and brokered by ActiveQuote. Vitality will handle your insurance claim.
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Contact your GP
Many policies require a specialist referral to diagnose your condition
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Pre-authorise your claim
Login to your Vitality Care Hub
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Complete & return claim form
Fill in your return claim form, taking care to fill in all details, sign and return.
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Receive decision & book treatment
Once authorised, you can book your specialist consultation, scans, tests or treatment at a recognised provider.
Frequently asked questions
Do I need a GP referral to make a claim?
A GP referral is generally needed; however, certain treatments allow for self-referral
How long will in take to decide on a new claim?
Vitality typically responds within 1–3 working days, provided all required information has been submitted
Does Vitality require a health check?
Vitality’s Healthcheck is optional — it’s designed to help you monitor your health and earn rewards, rather than determine your eligibility for cover
Is there a Vitality app available for members?
Yes! With the Vitality Member app you can track your health activity, check your points, and easily manage your plan and rewards in one place
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Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
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Reviewed on 17 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Accurate as of September 2025
Defaqto is an leading independent reviewer of financial products. Vitality has been awarded a Defaqto 5-star rating, indicating it is among the most comprehensive and feature-rich products available in the market
Individual insurance products from Vitality will have different ratings.
Data from the Defaqto website. Data from Sept 2025.