Vitality Health Insurance Review – Core Cover, Reputation, and Costs


In our Vitality Health Insurance Review, we’ve considered the Core Cover, the Reputation, and the Costs. What are we missing? We’ve found that the Core Cover is more than enough for many people. However, there are many optional extras available. Read on to find out which benefits you’ll enjoy. We’ll also examine how the Core Cover stacks up against the competition. After all, you don’t want to pay for extras you won’t use.

Full medical underwriting

We’ve included full medical underwriting in our Vitality Health Insurance review because it is a necessary part of the underwriting process for any health insurance. It allows customers to receive treatment for pre-existing conditions and know what they can claim for. Even if you have a standard price, this medical underwriting process allows you to qualify for more coverage than you might think. Regardless of the type of underwriting process you choose, it’s crucial to understand exactly what to expect from your policy.

As a member of the Premier Consultant scheme, you will earn between PS20 and PS50 when consulting with a Premier Consultant. This will ensure you see a panel member and get the monetary benefit you want. Vitality also covers at-home nursing care and lodging for parents. You’ll be able to choose your preferred level of cover as long as you’re comfortable with this type of underwriting.

In addition to their comprehensive cover for inpatients, Vitality also offers private medical insurance and life insurance. PMI, or private medical insurance, pays for treatment at both NHS and private hospitals. In many cases, pre-existing conditions are covered, but this is not always the case. Alternatively, you can choose between a comprehensive treatment plan and an affordable daily or monthly premium. You can also opt for a private medical insurance policy that pays for hospital visits in the UK or foreign hospitals. It’s important to note that each plan has different exclusions and limitations.

Regarding the cost of the plan, we highly recommend this health insurance. It is affordable and can save you more money in the long run. But the biggest hurdle Vitality faces is helping consumers understand its product and choose the right coverage plan. The company acquires its customers through tie-ups with employers and sports clubs. It’s no surprise that this company gets most of its customers through these channels because their customers are already involved in healthy activities.

Full cover promise

The Vitality Health Insurance Full cover promise promises customers to continue to be covered even after leaving their employer. The promise can be helpful if you’re considering switching insurance policies and want to be sure you’re getting the most suitable policy. However, you should be aware that this type of policy has several limitations. For example, you may find it difficult to pay a lot of money each year, and you may have to renew your contract yearly, which is a hassle if you don’t want to.

If you don’t need to use your health insurance immediately, you can take advantage of the flexible Personal Healthcare plan. This plan provides coverage that is tailored to your needs. For example, you’ll get full payment from a recognized GP, anesthetist, and consultant and discounted bowel and cervical cancer screening prices. The Personal Healthcare plan also includes cognitive behavioral therapy. VitalityHealth is an excellent choice for those who want to stay at home while they get medical treatment.

Vitality is an innovative health insurance company that rewards healthy living while protecting you when things go wrong. It works by using scientifically-proven behavioral economics principles to reward healthy members. Vitality encourages members to become more active and healthy by rewarding healthy habits. This, in turn, means they’ll be covered with the highest-quality health care. And the best part? Vitality’s plans will never let you down!

When it comes to coverage, VitalityHealth offers three types of plans. You can have your health condition fully covered or on a moratorium basis. You’ll eventually become covered on the moratorium basis even if you have a pre-existing condition. However, you’ll need no claims for a certain period before you can claim. You can even claim for medical treatments that weren’t covered before joining VitalityHealth.


If you’re looking for a great health insurance policy, consider Vitality. The company’s policies are well-rated by independent institutions and have a solid payout reputation. Vitality boasts 23k customer reviews on Trustpilot, where 77% of its customers rated them excellent. Their 4.3 TrustScore makes the company appear trustworthy, and the company’s 5-star rating from Defaqto is a testament to their exceptional customer support.

Vitality’s health insurance reputation is largely divided between customers and critics. While the company is very well-reviewed on Trustpilot, which has more than 23,000 user reviews, its performance on other sites is mixed. For example, on Google and SmartMoneyPeople, Vitality scores only 2.4 out of 5. However, the latter two sources have a broader scope and a higher number of reviews.

Founded in 2004, Vitality is owned by Discovery Holdings, a global company that serves over four million customers. Its reward program encourages members to live a healthier lifestyle. The company’s philosophy is to reward consumers for living healthier by providing discounts and special deals through partners. The company first launched its concept in the UK with Prudential. It acquired Prudential’s stake in 2010 and rebranded as Vitality. The company now boasts over one million customers across the UK and abroad.

When purchasing a Vitality health insurance policy, make sure you understand the details of your policy. This includes details about your health and GP. Considering Vitality, be aware that the company does not offer cover for pre-existing conditions. As a result, it’s important to compare quotes from other health insurance providers to find the right level of cover at a price you can afford. In many cases, it’s worth the extra cost for an excellent policy.


The costs of Vitality Health insurance are determined by factors such as your age, postcode, and the type of cover you want. You can also opt for optional extras, which can be more expensive but give you greater coverage in an illness or accident. For example, the company offers two types of dental cover, one that covers major dental work and another that covers routine work. You can also choose between a hospital list with three different tiers.

The Comprehensive Core Cover includes coverage for the cost of hospitalization and treatment for port-wine-stain birthmarks, birthmark removal surgery, and nursing care. You can also opt for Vitality’s outpatient cover, which will cover the costs of a day’s treatment for a co-morbid condition. Inpatient treatment covers an overnight stay in a hospital. Day-patient treatment includes obesity treatment and may include surgery such as ear reshaping.

Vitality’s wellness program is based on behavioral economics and is rooted in the company’s philosophy that “paying for health is better than paying for sickness.” This approach to insurance allows the insurer to dynamically price health risk over time, thereby delivering greater profits and benefits for the insurer. Because it’s based on the science of wellness, Vitality is a game changer. It’s the future of shared-value health insurance. The benefits of this program are numerous. Not only do you get better health, but you’ll also be contributing to the future of a healthy workforce.

In addition to dental care, Vitality also covers dental procedures such as the extraction of an impacted tooth or jawbone cyst. It also pays for up to two dietician consultations per policy year, depending on your age. The insurer also provides mental health cover for people under the age of 64. Vitality covers up to PS10 million for emergency medical expenses for up to 120 days. Additionally, it provides full medical underwriting. Vitality asks for no medical information until you make a claim.

Customer service

The quality of customer service advisors at VitalityHealth is unsurpassed. Dedicated quality assurance agents carefully monitor customer calls to ensure that the advisors deliver the highest service level. They also listen to the call recordings to ensure that the advisors answer questions correctly and answer the customer’s queries appropriately. New technology is being implemented to monitor the quality of advisors and speech analytics software. The system will produce insights on how each advisor performs and how to improve the quality of customer service.

The Vitality brand is a UK-based company that provides insurance and investment products. It has about a million customers in the United Kingdom alone. It is part of Vitality Group International, which includes companies like Generali in Europe, SoftBank and Sumitomo Life in Japan, Ping An Insurance in China, and the AIA Group in Asia. VitalityHealth offers an extensive range of health insurance, pension plans, and investment products. It also provides mortgage protection insurance, which pays off a mortgage balance if the customer becomes terminally ill or dies during the policy term.

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