A Vitality health quote is a price for a plan someone has already shaped: who is on it, how your medical history is handled, how big the excess is and how it is counted, what the out-patient line is capped at. Change one of those and Vitality is pricing a different plan. So the decision behind the search is less "what does Vitality charge" than "which Vitality plan do I want priced, and is it worth having beside another insurer's". This site is not Vitality, and a Vitality price rests on your own details, so you will not find one printed here. The form puts you in touch with one FCA-authorised broker able to ask Vitality and other insurers to quote identical settings from a single set of your details. Wanting Vitality measured against the rest is reason enough to send the form here. Sending it costs you nothing.
Every Vitality clause below is from one document: Vitality's August 2024 Membership Guide, written for its Personal Healthcare plan, read on 10 October 2026 from a copy hosted by a broker rather than on Vitality's own site. The page draws on parts of the guide, not the whole of it. It is two years old and Vitality may have reissued it since, so read it as the wording that applied to plans sold on that issue, and check each point against the guide that comes with your own quote. And if you came here for a Vitality life quote, that is a different product with its own terms; this page is about medical cover.
What has to be settled before a Vitality medical insurance quote exists
Which boxes Vitality's quote form shows, and in what order, is for Vitality to set. Any UK insurer pricing personal medical cover needs the basics — dates of birth, a postcode, who is to be covered. What the membership guide adds is a view of the decisions sitting behind the form, the ones a quick figure tends to make on your behalf.
One adult, or more than one
The guide's no-claims table, which comes up again further down, carries two sets of claims bands: one for a plan with one adult on it, and a wider set for a plan with two or more. So the number of adults is not only a headcount for the premium; it changes the thresholds that later decide how a claim feeds into the price. If you are getting a Vitality private health insurance quote for a couple, ask for the table that applies to that plan rather than reading the single-adult row.
How your medical history is handled
This is the setting that decides what the quote will actually pay for, and the one the guide speaks to most plainly. Under a moratorium, the August 2024 wording excludes conditions you knew about in the five years before your cover began, and it adds that this holds even where you never saw a GP about them or took prescribed medicine. A condition set aside that way can come back into cover once you have gone a continuous two years after taking out the plan without treatment, advice or medication for it. The same extract then opens a list of pre-existing conditions Vitality excludes permanently, without naming any, so the two-year route is not open to everything. Both clauses are set out word for word on private health insurance for individuals.
For someone weighing a quote, that has two consequences. A condition you have half forgotten, or never had looked at, still counts under that wording if you were aware of it, so it is worth thinking back over five years before you accept a moratorium price. The alternative is full medical underwriting, the route where you declare your history up front and exclusions are set before the plan starts; how Vitality runs it, and how its price compares with a moratorium, is something to have shown on the quote itself. Vitality health insurance: underwriting is the page that takes the choice on; the general mechanics are on private health insurance underwriting explained.
What separates two Vitality health quotes: four settings
With the people and the medical history fixed, four settings decide where the figure lands. The guide has wording on two of them and a table on a third that bites later; the fourth, the hospital list, is one to ask about.
The excess, and whether it comes round again
Across the market, raising the excess usually lowers the premium; the size of that effect on a Vitality figure is something only a quote will show. What makes Vitality's excess worth a second look is the counting, because the Membership Guide's worked examples, on pages 50 and 51 of the August 2024 issue, read as running on two footings. One member, having paid his excess earlier in the year, is told: "As he has already paid all of his excess for treatment occurring in that plan year, we cover the treatment in full" (page 50). Another meets it again: "As this is a new condition, and the excess she chose to include is applied per claim, we pay £200 and advise Jennifer to pay £100, her excess, to the osteopath" (page 51). "She chose to include" reads as though the basis is a setting picked when the plan is built, and that is worth confirming before you compare a Vitality figure with anyone else's: a per-claim excess and a once-a-year excess at the same level are not the same exposure, and a quote showing only the level does not say which you have. The examples are laid out in full beside other insurers' on how insurers' prices differ, and choosing a level is on how much excess should you choose?.
The out-patient figure on the certificate
The clause does not fix one out-patient cap for everybody. Its wording is "You are covered up to the limit shown on your membership certificate for appointments with a consultant, following a referral from a GP" (page 16), and among its examples is a member whose cover is "limited to £500 per plan year" (page 51) and another who "has full Out-patient Cover" (same page). So two Vitality quotes can carry different out-patient lines, and the one on yours is a choice that has been made, whether by you or by a default. A lower limit generally means a lower premium and more of the cost of consultations and tests left with you once it is used up. That clause too is quoted on the insurers' prices page linked above, and the general picture is on private health insurance: outpatient cover.
Which hospitals
A narrower list of hospitals tends to lower a premium anywhere in the market. What Vitality's hospital options are called, and which hospitals sit on each, depends on the plan you are quoted, so ask which list the quote assumes and check that the hospitals you would actually use are on it. How lists work in general is on private health insurance hospital lists explained.
Status and claims, which the guide ties to the premium
The guide's no-claims table sets a percentage against two things: a status, from Bronze through Silver and Gold to Platinum, and how much has been paid out in claims. With nothing paid, Bronze sits at 0.0% and Platinum at −7.5%, which a worked example in the guide treats as a discount. At the other end of the table, where more than £1,200 has been paid out for one adult, Bronze shows 35.0%. The table is labelled an example. How a status is reached, and exactly when in the year the percentage is applied, are worth understanding before you buy; the form brings a call from a broker who can talk you through both free.
For someone holding a first quote, the point is this: the figure in front of you is not necessarily the figure for year two. On that table, claims paid and status both feed a percentage on the premium, so the useful question is what one claim in year one would do at renewal, at the status the quote assumes. The table is reproduced in full on Vitality health insurance: discounts and offers, and the general pattern is on your health insurance renewal price.
Excess, out-patient line and hospital list are the settings to have varied rather than guessed at, and the time to vary them is before anything is bought. Hand the details to the broker this page's form reaches and the variations are theirs to run: the Vitality plan at a second excess level, on each counting basis if Vitality offers both, with the out-patient line lowered and left alone, and a second insurer's figure built to match. There is no fee for any of that, and the form takes minutes.
A Vitality health quick quote, and what it has decided for you
A quick quote is the same calculation with fewer questions asked, which means the unasked ones were answered by default. The defaults that matter most are the ones this page has just been through: the underwriting route, the excess and how it is counted, the out-patient figure and the hospital list. A quick figure is useful for seeing whether a Vitality private medical insurance quote is in the right region for you at all. It is not a figure to compare against another insurer's until you know what each was set to, because two quick quotes on different defaults are two different products with prices attached.
Nor will this page fill the gap with a Vitality number of its own. A monthly figure printed here under Vitality's name, with none of your details behind it, would be a guess wearing Vitality's label. Where the UK market sits in general, with no insurer's name on it, is on the site's UK average-cost guide, and what a calculator can and cannot work out from a few answers is on private health insurance cost calculators. A Vitality figure for you comes from Vitality, or from someone with access to its rates, priced on your own details.
Three Vitality clauses to find before you accept
None of what follows changes the price on the page. All of it changes what the price buys, and none of it is quoted anywhere else on this site, so here it is as written.
If something turns out to be long-term
"What does this mean if I fall ill with a chronic condition? Do be reassured that when you first become ill with a chronic condition we will pay for any consultant appointments and diagnostic tests* you need to have in order to find out the cause of your symptoms"
— Vitality, Membership Guide (Your Personal Healthcare plan terms and conditions), August 2024, page 26. Broker-hosted copy, captured 10 October 2026.
The clause covers the first stretch: the consultant appointments and tests needed to find out what is wrong. It does not say what happens once a chronic condition has been identified, and the asterisk on "diagnostic tests" points to a qualification worth reading in full in the guide you are sent. If the reason you are shopping is a problem likely to need follow-up for years, the question for Vitality is what the plan pays for after diagnosis, and it is a question to have answered in writing before you buy. This is about the policy wording, not about whether any symptom needs attention.
Cancer, new and returning
"Will her insurance cover this and are there any limits to the cover? We will cover both the eligible treatment of new cancers and the treatment of complications of cancer and/or secondary cancers"
— Vitality, Membership Guide, August 2024, page 48, as above.
The guide frames this as an answer to a member's question, and the answer reaches further than first diagnosis: complications and secondary cancers are named. The word doing the work is "eligible", and the sentence does not define it. Ask Vitality, or the broker who phones you back free, what the plan treats as eligible cancer treatment and whether any limit applies, since the guide's question is about limits and the sentence names none.
The dental line
The benefits table gives routine dentistry two rows with different limits. "Dental check-ups, X-rays of the mouth and jaw, routine scaling and polishing, and NHS band 1 charges" have a limit of "£100 per plan year". "Dental procedures such as fillings, crowns, root treatment, and NHS band 2 and 3 charges" have a limit of "80% of the costs up to £400 per plan year".
— Vitality, Membership Guide, August 2024, page 12, as above.
These rows sit in a benefits table and send the reader on to a fuller description on page 14. The table lists them among the cover options, which the guide says apply only if the planholder chose them (page 11), so look for a dental line on your own quote and, if there is not one, ask whether it was left off. Vitality dental cover is the page for the detail.
Reading the Vitality quote you are sent
When the figure arrives, it should come with the settings it was built on. A figure that arrives without them is only half an answer.
| Setting | Which way it tends to push the price | What the August 2024 guide adds |
|---|---|---|
| Underwriting route | Depends on your history; no general direction | Moratorium: five-year look-back, two clear years to return, some conditions permanently excluded (pages 48 and 30). Full underwriting: ask how it is applied |
| Excess level | Higher usually lowers it | Worked examples that read as per claim in one case and once per plan year in another (pages 50 and 51) |
| Out-patient line | Lower usually lowers it | Set by your membership certificate; one example capped at £500 per plan year (pages 16 and 51) |
| Hospital list | Narrower usually lowers it | Ask which list the quote assumes |
| Adults on the plan | More adults usually means a higher premium | Separate claims bands for one adult and for two or more (page 50) |
| Status and claims | Up or down; it turns on claims paid, which only exist after you buy | Table labelled an example, from −7.5% to 35.0%; ask when the percentage is applied (page 50) |
The middle column is the general pattern across the market, not a statement about Vitality's rates, and none of it says by how much. Getting that answer means having the same plan priced more than once with one setting changed. The FCA-authorised broker this site works with can do that with Vitality and put a second insurer beside it on matching terms; the form on this page reaches them, and the call back is free.
Vitality health insurance quotes: short answers
Can I get a quote from Vitality directly?
Yes, you can approach Vitality yourself. Take the settings in the table above with you, so the figure you are given is one you can later hold against another. The difference with a broker is the second and third figure: several insurers quoted from one conversation, though not every insurer in the market, and with no promise from us that either route ends up cheaper.
What will a Vitality quote cost me?
That depends on your age, your postcode, how many adults are on the plan and every setting in the table above, and in later years on claims and status as well. Only a quote on your own details gives the number, whether it comes from Vitality or from the broker. Market-wide ranges, with no insurer's name attached, are on the UK average-cost page.
Will a Vitality quote cover a condition I already have?
On a moratorium, the August 2024 wording leaves out anything you were aware of in the five years before cover began, with a route back in after two continuous clear years for some conditions and not others. Whether your condition is one of the permanent exclusions is for Vitality to answer, and asking before you buy costs nothing.
Is a Vitality health care quote for a business the same thing?
Not necessarily. The guide quoted here is for the Personal Healthcare plan, which by its name is a personal policy; cover arranged through an employer comes on its own terms, and how the two differ is something a broker can explain without charge on a call-back. Cover for a company is on private health insurance for small businesses.
Can I cancel if I change my mind after accepting?
What leaving early involves is set by the guide's clause on cancelling. That clause on cancelling early is quoted on Vitality health insurance: discounts and offers, and Vitality health insurance: cancelling a policy is the page for the question. Read that clause before you sign rather than after.
The next step is a Vitality figure with its settings written beside it, and a second insurer's priced the same way. Arranging both is the broker's job, and Vitality's answer comes back with the comparison after you complete the brief form on this page.