Health insurance is entering a new era
The healthcare landscape has transformed over the past five years. Customers now expect a broader range of services - from support with leading a healthy lifestyle to seamless pathways into care when they need it.
Our 2024 Health Claims Insights Report highlights three key themes, including:
- The need for prevention at every stage of the healthcare journey
- Demand for everyday care is transforming insurance
- Harnessing data and technology to drive better health outcomes
In this year's report, we explore these trends in more detail and what they mean for you, and your clients.
Industry trends at a glance
Prevention and wellness
75% of customers believe insurers should support them in improving their health outside of making a claim
Everyday care
73% of health insurance customers report using their cover in the past 12 months
Data and technology
Quick and easy access to care is the top consideration when choosing an insurer
Source: Vitality claims data 2015-2024 and Vitality and Opinium survey of 1,000 health insurance customers, May 2024
Let's take a closer look
Explore how these key trends are impacting, Vitality, you and your clients
We're helping your clients understand and improve their health
Vitality is the only insurer showing strong evidence that members engaging in healthy habits are living longer and can help lower healthcare costs.
Our 2023 claims data shows:
- Engaged members claim less - On average, Platinum status members had 28% lower claims costs compared to Bronze members
- Vitality helps members live longer - Life expectancy for our highly active members is up to 5 years longer
- Supporting a more sustainable healthcare system - Research conducted with the London School of Economics revealed the NHS could save £15 billion annually if the inactive UK population walked 5,000 steps, three times a week1
We're making it easier for your clients to access the care they need
Vitality members can book GP appointments, self-refer for physiotherapy and Talking Therapies or complete health risk assessments - all on their smartphone or laptop.
Since launching our Vitality GP app in 2015, we've seen an increasing demand for everyday care.
- Everyday care represented 64% of Vitality claims in 2023
- Severe mental health claims reduced 69% in line with increased Talking Therapy usage (2019-2023)
- In-patient muscoskeletal claims dropped 31%, correlating to the rise in physiotherapy (2019-2023)
We're harnessing technology to get you, and your clients, better outcomes
According to our recent survey, the top priority for consumers considering health insurance is quick and easy access to care.
So, we've been making it easier for you, and your clients, to do business with us.
- App-led experience - We've seen 377,000 unique monthly users on our app - a growth of 200% in three years
- End-to-end digital claims journey - Two thirds of all our claims now start through Vitality GP or Care Hub, up 6% from 2019
- Automated underwriting experience - Launched in 2024, this technology is already delivering automated decision making for around 60% of the conditions we underwrite
Rethinking PMI and unlocking the power of prevention
With the UK not getting any healthier and rising rates of lifestyle related ill-health, it's clear that traditional healthcare models need a rethink.
Promoting healthier lifestyles alone is not the answer. People need the means to change their behaviour and maintain healthier habits. However, with PMI, prevention can go beyond this with; early intervention, screenings and end-to-end care.
Join us at 10am, 25 July to get under the skin of what's really at the heart of prevention and explore how PMI is evolving.
Resources toolkit
Quick access to everything you need to support your client conversations
2024 Health Claims Insights Report
Health Claims Insights at a glance
Five things we learn from the latest Vitality PMI data
