How does the vitality linked excess work? 

Please note the excess is per person per plan year.

Take a look at the Guide to Personal Healthcare for full details on all the elements of our cover

Guide to Personal Healthcare

Personal Healthcare terms and conditions 

Our private health insurance gives you piece of mind that you won't just get looked after when you're in hospital. Care starts the minute you call us. You'll speak to someone who listens, who understands and who'll do everything they can to help.

If you're unwell, the first thing to do is to visit your GP. If they refer you for treatment, tell them you have cover with VitalityHealth and ask for the following:

    • Full details of your condition/injury, diagnosis and intended treatment. 
    • Full name and address of the specialist or therapist and the hospital/clinic you've been referred to.

Once you've got a referral you’ll need to register your claim and check you’re covered. You can make a claim online 24 hours a day, 7 days a week on the Member Zone. It's secure, will only take a few minutes and we’ll aim to get back to you by midday on the next working day. Once your claim’s approved we’ll send you an authorisation letter. You should take this letter to your appointment to show you’re covered.

You can also register your claim by calling us on the number on your membership card.
When you call, select the option to 'get authorisation for treatment' so that you go through to our dedicated Claims Team. Make sure you have your membership number on hand when you call. Our Claims Team is available Monday-Friday 8am to 7pm and Saturday 9am to 1pm. Please note our offices will be closed on bank holidays.



 What about prescriptions you ask?

Get your moles checked? 

We want to do everything we can to help you live a healthier lifestyle, which is why we've created the Employers Promotion Pack to help you promote Vitality and how it can benefit you.

The Employers Promotion Pack contains materials that tell you all about Vitality including how to unlock your benefits, Vitality's three steps to getting healthier, our Vitality partners and much more.

When you do healthy things, we give you points and these count towards your Vitality status. To see your points adding up, all you need to do is visit and log on to the Member Zone. As you earn points, your Vitality status increases. Everyone starts at Bronze, then you can work up to Silver, Gold and finally Platinum. There’s a whole host of ways you can earn Vitality points. Whether it’s getting off the bus one stop early and clocking up steps with your Fitbug or Zumba classes at Virgin Active, taking part in a parkrun or filling your fridge with healthy foods from Sainsbury’s. To see how you can earn Vitality points, see the table at the back of this guide.

Number of Vitality points needed per adult:


SILVER - 800

GOLD – 1,600

PLATINUM – 2,400

Download, print and share the posters and guides below to promote Vitality and its health and reward benefits.




0208 207 7394 

Proactive Medical & Life Ltd Registration Number: 06483379 is an Appointed Representative of Healthnet Services Limited, who are authorised and regulated by the Financial Conduct Authority. Healthnet Services Limited entered on the FCA register No 312313