About Vitality
Vitality is one of the UK's largest private medical insurance providers, distinct from competitors in offering an engagement-based rewards programme alongside cover. Employees earn Vitality points by tracking activity, completing health assessments, and using preventative services, which translate into discounts on partner brands (Apple Watch, Garmin, Waitrose, Caffè Nero, gym memberships, and more).
The company is part of Discovery Holdings, the South African-listed insurance group, and has been operating in the UK since 2007. It serves over 1.7 million UK members across its life, health, and investment products.
For employers, the proposition is that healthier employees mean lower long-term claims costs and higher engagement with the benefit. Vitality reports that members of its programme have a 23% lower mortality rate than the UK average, and engaged employees take fewer sick days.
What's included
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.
Who it's for
Pricing approach
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.
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Compare →Brokers we work with
UK brokers that typically place Vitality business. Run a PerkIQ Healthcheck first, then take the output to one of these for a tighter procurement conversation.
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Information on this page is editorial, gathered from public sources and provider materials, and does not constitute financial advice or a recommendation. For a quote, contact Vitality directly or speak to an FCA-authorised broker. PerkIQ is not a Vitality reseller and earns no commission on provider sign-ups.
