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UK Private Health Insurance Review

UK arm of Discovery Holdings; points-based wellness programme

Vitality Health Insurance Review & Prices 2026

Rewards healthy living with lower renewal premiums

From£34/month
3.6Trustpilot (9.8k)
230+hospitals
5yrmoratorium

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Prices shown are indicative. Click through for an FCA-regulated quote directly from Vitality.

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Who is Vitality best for?

Active/younger applicants
Mental health access speed
Wellness rewards

Vitality Plans & Pricing 2026

Pricing below is indicative — derived from public brochure rate cards. Your actual premium depends on age, health history, region, and chosen excess.

Vitality Health — Essentials

mid
from£34/mo

Excess: £125, £250, £500

Outpatient cover£750/yr
Cancer coverfull
Mental healthmoderate (up to 10 sessions/yr)
Therapiesoptional add-on
Dental & opticalnot included
NCD protectionavailable

Vitality Health — Comprehensive

comprehensive
from£49/mo

Excess: £0, £125, £250, £500

Outpatient coverFull (Vitality Plus tier)
Cancer coverfull
Mental healthfull (up to 20 sessions/yr)
Therapiesincluded
Dental & opticaloptional add-on
NCD protectionavailable

Indicative pricing only. Prices shown are derived from public brochure rate cards and independent market research — they are not live underwritten quotes. We are a referral site, not a financial adviser. We may receive a referral commission when you take out a policy through a link on this site — this never affects the price you pay. Clicking through takes you to Vitality's own FCA-regulated quote journey. Always read the policy documents before purchasing.