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Personal Healthcare covers in-patient and day-patient treatment with comprehensive cancer cover as standard, eight CBT or counselling sessions a year bookable without a GP referral, self-referral physiotherapy and talking therapies, the Headspace app and a digital wellbeing library, plus the rewards programme itself. Weight-loss surgery is covered, which is unusual. Out-patient limits, enhanced mental health cover and a wider hospital list are optional.

Vitality's renewal model, replacing a no-claims discount. A is Age, typically around 3% a year. B is Base medical inflation across the market, commonly cited in the 5 to 10% range for 2026. C is Claims, combined with your Vitality status, and it's the only element your engagement affects. C is an adjustment to your renewal, not a discount off your whole premium.

Less than most people assume. Broker analysis of Vitality's adviser material puts the C adjustment at roughly minus 7.5% at Platinum status with low claims, and around plus 35% for high claims combined with low engagement. Compare that against traditional no-claims discounts, which can reach 70 to 75% over time. Vitality's value comes from the rewards you use during the year rather than from renewal savings.

Yes, and more generously than its fitness-brand image suggests. Core cover includes eight CBT or counselling sessions a year, bookable directly through the Vitality app with no GP referral, plus the Headspace app and a library of digital wellbeing exercises. An enhanced add-on extends this to unlimited CBT and counselling, £1,500 of out-patient mental health spend, and 28 days of in-patient or day-patient treatment.

Yes. On a family policy claims are pooled, so one member's claim can push the whole policy into a higher pricing band at renewal rather than affecting only their own cover.

You pay a reduced amount upfront, then hit monthly activity targets to cut the ongoing monthly payments. Consistently active members can reduce them to nothing, but the payments continue if you miss your targets, so it only works out free if you keep it up.

It depends almost entirely on engagement. If you'll download the app, track your steps, book the health check and use the gym discount, the rewards can outweigh an above-average premium. If you know you won't, a traditional insurer with a no-claims discount will serve you better over time, because Vitality's behavioural discount is capped at a fraction of what a standard NCD reaches.