Provider comparison
Aviva Health vs Vitality
Side-by-side comparison from the PerkIQ directory. Cover, pricing, regulator status, and fit at a glance.
- Group PMI. Inpatient and outpatient cover with flexible excess and hospital list options. Cancer care included as standard on all plans.
- Digital GP. Video GP appointments available seven days a week, included on most corporate plans, with prescription and onward referral.
- Mental health support. Access to talking therapies and a mental health helpline. Some plans include structured CBT sessions.
- Bundled group risk. Combine PMI with Aviva group life, income protection, or critical illness for consolidated admin and potential premium discounts.
- Flexible underwriting. Moratorium and medical history disregarded (MHD) underwriting options available, suited to new and transferring schemes.
- Private medical cover. In-patient and day-patient treatment, diagnostic tests, mental health support, and outpatient surgery at private hospitals.
- Vitality Programme. Points-based engagement rewards. Employees earn discounts on Apple Watch, Garmin, gym memberships, and cinema tickets.
- GP & mental health. Unlimited virtual GP appointments, talking therapies (up to 8 sessions), and referral to specialists without NHS waiting.
- Preventative care. Health screenings, smoking cessation programmes, weight management, and 24/7 virtual nurse helpline.
- Optional dental & optical. Bolt-on dental and optical cover with allowances per employee per year, configurable at company level.
- Family & partner cover. Add partners and children at preferential rates. Cover extends to maternity, paediatric specialists, and children's mental health.
- Employers wanting a recognised brand: Aviva is one of the UK's most trusted financial names and well understood by employees.
- Businesses already using Aviva pension or group risk: bundling often unlocks discounts and simplifies renewal.
- SMEs wanting competitive mid-market PMI: Aviva is typically priced competitively for straightforward inpatient-focused cover.
- Employers prioritising the deepest mental health cover: Bupa and Vitality tend to offer more sessions and direct-access pathways.
- Businesses wanting a rewards or engagement programme: Aviva PMI is coverage-focused rather than behaviour-incentive-led.
- Mid-market employers (50-500) wanting a recognised brand to compete with larger employers on benefits
- Workforces engaged with wellbeing: the rewards programme drives most of the value, so passive employees see less ROI
- Tech, professional services, financial services: sectors with younger demographics that engage with the programme
- Pure-cost-focused employers: premiums tend to sit above non-engagement-based providers like Aviva PMI or Bupa Select
- Manual, shift-based workforces: the rewards programme assumes consistent activity tracking, which is harder for non-desk workers
Aviva prices group PMI per employee per month, based on age profile, cover tier, selected excess, and hospital list. Typical SME premiums range from approximately £25 to £90 per employee per month for standard inpatient cover.
Bundling with Aviva group risk products can reduce overall cost. Schemes are generally placed via a broker; direct schemes are available but less common.
Indicative range based on UK market data; obtain a formal quote via Aviva or an FCA-authorised broker.
Vitality prices on a per-employee-per-month basis, set during an underwriting process that considers company size, age demographic, sector, and selected cover level. Typical UK SME premiums range from approximately £35 to £120 per employee per month for the core medical cover, with bolt-ons (dental, optical, partner cover, family) layered on top.
Discounts available for: opting in to underwriting review at renewal, encouraging Vitality points engagement (which earns a renewal discount), and pre-existing condition exclusions where appropriate.
Indicative range based on UK market data; obtain a formal quote via Vitality or a benefits broker.
- FCA authorised & regulated
- FTSE 100 listed
- 16m+ UK customers
- Group risk bundling available
- Broker channel preferred
- Cancer care standard on all plans
- FCA authorised & regulated
- UK head office, Bournemouth
- Discovery Group subsidiary
- 1.7m UK members
- Quote turnaround: 5-10 days
- Available via direct or broker
Pick the right one with data, not a sales pitch
Score your benefits stack with PerkIQ and you'll see which of these (or another provider entirely) closes the biggest gaps for your team.
Information on this page is editorial, gathered from public sources and the providers' own materials, and does not constitute financial advice or a recommendation. For a quote, contact each provider directly or speak to an FCA-authorised broker. PerkIQ is not a reseller and earns no commission on provider sign-ups.
