VitalityHealth Claims Insights Report 2025
Moving from Insurance to Assurance
'We live in an increasingly volatile and unpredictable world. Despite a booming interest in wellness and longevity, the impact of unhealthy lifestyles and chronic ill-health is being felt more than ever, and healthcare systems are under strain.
In our latest VitalityHealth Claims Insights Report, we explore the consumer trends reshaping the market and reveal the three critical shifts insurers must embrace to stay relevant and deliver excellent care in a sustainable way.
The report provides powerful insight to help you deepen client conversations, differentiate your advice, and stay ahead in a changing landscape.'
- Dr Arun Thiyagarajan, CEO, VitalityHealth
Five key consumer trends that are re-shaping health insurance
People want more from insurers
People are looking for their health insurer to do more than just pay out when they're unwell. 87% of consumers believe that health insurers should support them to be healthier, outside of making a claim.
From reactive to routine
Everyday care has transformed insurance from a reactive product to one that consumers are much more likely to use. 76% of consumers have used their cover in the past 12 months.
New segments of consumers
Health insurance has become relevant for new segments of consumers. Younger people are more likely to make use of benefits such as GP, optical and dental, and screenings and diagnostic tests.
The digital revolution
The digital revolution has arrived for health insurance. Consumers are increasingly likely to make a claim online or using an app.
Transforming health management
New medications and treatments are poised to transform the way people manage their health. 23% of consumers have used weight-loss medication and a further 26% would consider using it.
Source: Opinium and Vitality data, based on a sample size of 1000 UK health insurance customers, September 2025
How we are responding to this changing landscape
Providing a seamless, end-to-end pathway into care
Private medical insurance goes far beyond funding private hospital treatment, now providing a complete pathway into everyday and secondary care.
- 70% of VitalityHealth claims in 2024 were for everyday care1.
Harnessing the latest advances in medicine, technology & AI
Advancements in medical research, technology and AI are unlocking opportunities to make healthcare more personalised, effective and supportive for patients.
- Members achieved an average weight loss of 9.3% in just three months, when they joined our medicated weight-management pathway1.
Delivering a truly preventative approach
The evidence is clear, we help your clients live longer, healthier lives and provide them with tools to help prevent them getting ill in the first place. All while sharing tangible financial value with them
- Vitality members can live up to 5 years longer2.
1. Definition of everyday care claims includes Vitality GP consultations, VitalityHealth Claims Insights Report 2025
2. Based on members who move from 0 to 21+ activity points a week throughout their lifetime, applied to standard UK mortality rates, Vitality study 2024
Moving from Insurance to Assurance: the trends revolutionising health insurance and what they mean for you
In this webinar, our expert panel, including Dr Arun Thiyagarajan, CEO Vitality Health, Dr Katie Tryon, Chief Commercial Officer, Vitality Health examine the trends shaping the industry and look at the implications for advisers and businesses looking to meet the changing needs of their clients and employees.
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