For UK residents · Live healthier, pay less

Health cover that rewards how you live.

A modern, independent guide to Vitality — the UK health insurer that pays you back for healthy living. Private GP access, mental health support, advanced cancer cover, and weekly rewards from Waitrose, Apple, Caffè Nero and more.

See my Vitality quote Read the full Vitality review

FCA authorised partner

4.7/5 customer rating

EMJTSP+12k

12,000+ UK members

A smiling British woman enjoying a wellness moment in a sunlit English garden

Up to 25% off

renewal rewards

Virtual GP

24/7 access

Defaqto 5-Star

UK cover

What's actually covered

A healthier way to insure your health.

Vitality's Personal Healthcare is built modularly — start with the cover every UK adult needs, then bolt on extras that match how you actually live.

Private hospital & specialist treatment.

Fast access to private hospitals, day-patient and inpatient care, consultant and specialist fees, theatre costs, and nursing — at one of the UK's largest private hospital networks. No NHS waiting list.

Includes comprehensive cancer cover as standard on most plans.

24/7 Virtual GP

Same-day video or phone GP appointments, prescriptions sent to your local pharmacy, and self-referral for physio and mental health.

Mental health support

CBT, counselling pathways and psychiatric consultations built into core cover — up to 8 sessions for pre-existing conditions.

MRI, CT & PET scans.

Advanced diagnostics included as standard — fast-tracked imaging without a long NHS wait, all covered on most plan tiers.

Therapies cover

Physiotherapy, osteopathy, chiropractic and more — in-network cover as standard once you add outpatient options.

Outpatient cover

Specialist consultations, diagnostic tests and treatment as an outpatient — choose the level that fits your lifestyle.

Up to 81% off Bluecrest Health Screenings.

Billed as an MOT for your body — a detailed overview of your physical health that can flag issues early. Available through your Vitality member dashboard.

A British family walking through a sunny English countryside meadow

Get active, get rewarded

Earn points for everyday healthy habits

How the Vitality programme works

Move more, pay less.

Vitality is the only major UK health insurer that turns healthy living into actual money back. Track your activity, get a health check, eat well, complete mindfulness sessions — and your engagement translates into real rewards and a discount on next year's premium.

The Vitality Programme is built around a simple status system: Bronze, Silver, Gold and Platinum. The more you engage, the higher your status — and the better your rewards get.

Apple Watch contributions from as little as £0/month
Up to 50% off gym memberships at Nuffield Health & PureGym
Up to 25% cashback on Waitrose Good Health foods

Start my Vitality journey

Vitality Status

Four statuses. One goal.

Your points determine your status — and your status unlocks better rewards, bigger discounts and the best partner perks.

Bronze

0 – 1,199 pts

Welcome to the programme. Discounts start here.

Silver

1,200 – 2,399 pts

Cinema tickets, weekly Caffè Nero, gym visits.

Gold

2,400 – 3,599 pts

Apple Watch benefits, more cashback, travel perks.

Platinum

3,600+ pts

The best rewards Vitality offers, including the highest cashback.

The rewards, in plain English

Brands you'll actually use.

These aren't vanity perks — they're the UK's most-loved brands, with real savings attached when you stay active.

Apple Watch

Pay a small upfront fee, spread the rest over 24 months, then earn it back through activity. Monthly device payments can drop to £0.

Save £400+ over 2 years

Gym membership

Up to 50% off at Nuffield Health and PureGym — depending on plan tier and your status. Worth £300–£600 a year.

Save up to £600/yr

Waitrose cashback

Up to 25% cashback on Waitrose Good Health items — increasing with status, capped at £100 (or £200 for a family) per month.

Save up to £450/yr

Caffè Nero & cinema

Hit your weekly activity targets and earn weekly Caffè Nero coffee, plus a free cinema ticket every month from Odeon or Vue.

£14/mo in coffee alone

Champneys spa days

Up to 75% off Champneys spa days and stays — perfect for the post-marathon unwind or a much-needed midweek reset.

Up to 75% off

Expedia hotels

Up to 25% cashback on hotel bookings through Expedia, with the percentage increasing as you climb to Gold and Platinum status.

Up to 25% cashback

Runners Need shoes

50% off one pair of sports shoes per member, per year. A real saving on a quality pair of running shoes — the obvious one if you're building up miles.

Save £60–£80/yr

Up to 25% off renewal

The biggest perk: the more you engage with the programme, the more you can save on next year's premium. Up to 25% at Platinum status.

Up to 25% renewal saving

A friendly UK doctor in a modern GP office

I started using Vitality last year and honestly the rewards have more than paid for the policy. The Apple Watch deal alone covers most of the premium — and being able to see a real GP at 9pm on a Sunday has changed how my family uses private healthcare.

Emma M., 38 · Bristol

Vitality Personal Healthcare member since 2024

Frequently asked

Health insurance, without the jargon.

The questions we hear most often from UK residents comparing Vitality cover.

What does Vitality actually cover?

Like all UK private medical insurance, Vitality covers new, acute medical conditions that arise after you take out the policy. Core cover typically includes inpatient and day-patient treatment, private hospital accommodation, consultant and specialist fees, theatre costs and nursing, comprehensive cancer cover, mental health support, MRI/CT/PET scans and 24/7 virtual GP access. Outpatient cover, therapies and dental/optical can be added as modular extras.

How do the Vitality rewards actually work?

You earn Vitality Points for healthy activities — up to 100 for an online health review, up to 600 for a Vitality Healthcheck, 8 points per parkrun, 5 points per gym visit, and 1,000 points just for declaring as a non-smoker. Your annual points total determines your status (Bronze, Silver, Gold or Platinum), and your status determines the rewards you unlock — from cinema tickets and weekly coffee, all the way up to Apple Watch contributions and a 25% discount on renewal premium at Platinum.

Is the Apple Watch deal really worth it?

For an active person, yes. You pay a small upfront fee (£29–£99) for a new Apple Watch and spread the rest over 24 months. Hit your monthly activity targets and Vitality covers the device payments. If you stop hitting targets, you make the monthly payment yourself — so it's a credit agreement, not free kit. Read the small print before signing up, and be honest about how active you'll be.

Does Vitality cover pre-existing conditions?

Standard cover follows industry norms — pre-existing conditions are typically excluded. The one exception is mental health: Vitality includes up to 8 sessions of pre-existing mental health cover as part of core. If you have a specific condition you need covered, talk to our team and we'll explain your options in plain English.

How much does Vitality cost in 2026?

For a single UK adult in 2026, expect £50–£90/month for basic cover, £90–£150/month for comprehensive, and £160–£380+/month for a family. Your premium depends on your age, postcode, hospital list, excess level and the optional extras you choose. Vitality is generally more expensive than simpler insurers at the headline level — but the engagement-based rewards can offset the cost if you're an active member.