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
Published underwriting terms
Vitality Health
5-year pre-policy look-back (Moratorium underwriting).
Official source: Medical Underwriting Explained · Last checked 4 October 2026.
Underwriting terms can vary by product and change over time. Your own policy certificate is the final authority.
Get a real quote
Prices shown are illustrative starting points only. Speak to an adviser or go direct for a real, personalised quote from Vitality.
Speak to an adviser →Prefer to go direct →By clicking “Speak to an Adviser” you'll be connected to UK Health Insurance, an FCA-regulated whole-of-market broker (FCA no. 312313). This is a free, advised service — they are paid by the insurer if you take out a policy, and we are also paid a referral fee. Learn more →
Who is Vitality best for?
Vitality Plans & Pricing 2026
Select your age band for indicative pricing
Showing typical 40s pricing — select your age above for a more relevant estimate.
Vitality Health — Essentials
indicative 40s range
Excess: £125, £250, £500
Vitality Health — Comprehensive
indicative 40s range
Excess: £0, £125, £250, £500
Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. Full pricing methodology →
Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. 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. Full pricing methodology & about us →
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Plan reviews
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