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Health insurance

VitalityHealth Claims Insights Report 2025

We’ve unpacked our latest claims data and industry research to find out what it all means for insurers, you and your clients.

Read the report

Explore health insurance

Useful links

Life insurance

Protection for Life, not just the mortgage

With Vitality, your clients can easily add comprehensive protection, safeguarding their home, lifestyle and the people who matter most.

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Non-medical limits

Medical requirements table Log into Adviser Hub

Important information

This information is factually correct as at Decemeber 2026, however limits may be subject to change in the future.

The evidence we need is based on age next birthday and cover amount.

Medical requirements

By cover level

Cover Amount	0-30	31-35	36-40	41-45	46-50	51-55	56-60	61-65	66-70	71-75	76+
£0 to £25,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence
£25,001 to £50,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	GPR
£50,001 to £75,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	GPR	GPR
£75,001 to £100,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	GPR	GPR, VNS, FP, COT
£100,001 to £150,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT
£150,001 to £200,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT
£200,001 to £300,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT
£300,001 to £350,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT
£350,001 to £400,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT
£400,001 to £450,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£450,001 to £500,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£500,001 to £550,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	VNS, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£550,001 to £650,000	No auto evidence	No auto evidence	No auto evidence	VNS, COT	VNS, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£650,001 to £700,000	No auto evidence	No auto evidence	No auto evidence	VNS, COT	VNS, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT
£700,001 to £750,000	No auto evidence	No auto evidence	No auto evidence	VNS, COT	VNS, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT
£750,001 to £800,000	No auto evidence	No auto evidence	No auto evidence	VNS, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT
£800,001 to £900,000	No auto evidence	No auto evidence	VNS, COT	VNS, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GRP, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCT, COT
£900,001 to £1,000,000	No auto evidence	No auto evidence	VNS, COT	VNS, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT
£1,000,001 to £1,500,000	VNS, FP, COT	VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT
£1,500,001 to £2,000,000	GPR, VNS, FP, COT	GPR, VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT
£2,000,001 to £2,500,000	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, EXECG, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£2,500,001 to £3,000,000	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£3,000,001 to £4,000,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£4,000,001 to £6,000,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£6,000,001 to £10,000,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£10,000,001 and over	Refer UW	Refer UW	Refer UW	Refer UW	Refer UW	Refer UW	Refer UW	Refer UW	Refer UW	Refer UW	Refer UW

Cover Amount	0-30	31-35	36-40	41-45	46-50	51-55	56-60	61-65	66+
£0 to £75,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence
£75,001 to £150,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£150,001 to £300,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, PSA, COT	GPR, MER, HAEM, BCH, PSA, COT
£300,001 to £400,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	GPR, MER, HAEM, BCH, PSA, COT	GPR, MER, HAEM, BCH, PSA, COT	GPR, MER, HAEM, BCH, PSA, COT	GPR, MER, HAEM, BCH, PSA, COT
£400,001 to £500,000	No auto evidence	No auto evidence	No auto evidence	VNS, COT	VNS, FP, COT	GPR, MER, HAEM, BCH, PSA, COT	GPR, MER, HAEM, BCH, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT
£500,001 to £600,000	VNS, COT	VNS, COT	VNS, COT	VNS, FP, COT	VNS, TYPE A, COT	GPR, MER, HAEM, BCH, NTPRO, PSA	GPR, MER, HAEM, BCH, NTPRO, PSA	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT
£600,001 to £750,000	VNS, COT	VNS, FP, COT	VNS, FP, COT	VNS, TYPE A, COT	VNS, TYPE A, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT
£750,001 to £1,000,000	VNS, FP, COT	VNS, FP, COT	VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT	GPR, MER, HAEM, BCH, NTPRO, PSA, COT
£1,000,001 to £1,500,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£1,500,001 to £2,000,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£2,000,001 to £3,000,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, NTPRO, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT	GPR, MER, HAEM, BCH, EXECG, PSA, COT
£3,000,000 and over	Refer Underwriting	Refer Underwriting	Refer Underwriting	Refer Underwriting	Refer Underwriting	Refer Underwriting	Refer Underwriting	Refer Underwriting	Refer Underwriting

Income Protection requirements for deferred periods 1 month or longer:

Cover Amount	0-40	41-45	46-50	51-55	56-60
£0 to £1,500	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence
£1,501 to £2,000	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	VNS, FP, COT
£2,001 to £2,500	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	VNS, FP, COT
£2,501 to £3,000	No auto evidence	No auto evidence	VNS, FP, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£3,001 to £3,333	No auto evidence	No auto evidence	VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£3,334 to £4,166	No auto evidence	VNS, FP, COT	VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT
£4,167 to £5,833	No auto evidence	VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£5,834 to £6,250	No auto evidence	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£6,251 to £6,666	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£6,667 to £10,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£10,000 up	GPR, MER, HAEM, BCH, COT, EXECG, HIV	GPR, MER, HAEM, BCH, COT, EXECG, HIV	GPR, MER, HAEM, BCH, COT, EXECG, HIV	GPR, MER, HAEM, BCH, COT, EXECG, HIV	GPR, MER, HAEM, BCH, COT, EXECG, HIV

Income Protection requirements for 1 week deferred:

Cover Amount	0-40	41-45	46-50	51-55	56-60
£0 to £1,000	No auto evidence	No auto evidence	No auto evidence	No auto evidence	No auto evidence
£1,001 to £1,500	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	VNS, FP, COT
£1,501 to £2,000	No auto evidence	No auto evidence	No auto evidence	VNS, FP, COT	VNS, TYPE A, COT
£2,001 to £2,500	No auto evidence	VNS, FP, COT	VNS, FP, COT	VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£2,501 to £2,916	No auto evidence	VNS, FP, COT	VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£2,917 to £3,000	No auto evidence	VNS, TYPE A, COT	VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£3,001 to £3,333	VNS, FP, COT	VNS, TYPE A, COT	VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, VNS, TYPE A, COT
£3,334 to £4,166	VNS, TYPE A, COT	VNS, TYPE A, COT	VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT
£4,167 to £5,000	VNS, TYPE A, COT	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£5,001 to £5,833	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£5,834 to £6,250	GPR, VNS, TYPE A, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£6,251 to £10,000	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT	GPR, MER, HAEM, BCH, COT, EXECG	GPR, MER, HAEM, BCH, COT, EXECG
£10,001 up	GPR, MER, HAEM, BCH, COT, HIV	GPR, MER, HAEM, BCH, COT, HIV	GPR, MER, HAEM, BCH, COT, HIV	GPR, MER, HAEM, BCH, COT, EXECG, HIV	GPR, MER, HAEM, BCH, COT, EXECG, HIV

Key

The type of evidence required

GPR -General Practitioners Report
VNS - Vitality Nurse Screening
FP - Finger Prick Test for cholesterol and glucose (if this is abnormal we will require a venous blood sample)
COT - Cotinine Test (for non-smokers only)
TYPE A - Venous Vitality Blood Screen for kidney function, cholesterol, liver function and glucose
MER - Medical Examination (usually completed by a Doctor)
HAEM - Blood Haematology (venous blood test)
BCH - Blood Biochemistry (venous blood test)
EXECG - Exercise Electrocardiogram
PSA -Prostate Specific Antigen (male applicants only)
HIV - Human immunodeficiency virus antibody test
NTPRO* -NT-proBNP cardiac blood test

*We reserve the right to obtain EXECG in place of, or in combination with, NTPRO on occasion.

Financial requirements

We will take into account any existing cover when deciding what financial information we need.

*Even though we do not have automatic requirements at some levels, we may still ask for additional information in certain circumstances.

Life Cover Financial Limits
Up to £2,000,000	*No automatic requirements
£2,000,001 - £3,500,000	Financial Questionnaire
£3,500,001 and above	Personal or Family Protection – Financial Questionnaire with an independent third party signature or supporting evidence (e.g. proof of income, loan letters, schedule of assets) Key Person or Shareholder / Business Protection – Financial Questionnaire with an independent third party signature or supporting evidence in the form of reports and accounts (last 3 years), or independent valuation by a professional source Loan Protection – Financial Questionnaire with an independent third party signature or supporting evidence, copy of the loan agreement and repayment schedule, reports, and accounts
New start-up companies or companies making a loss	Supporting evidence may be requested, such as a business plan with projections or reports and accounts. Additional information may be requested regardless of the sum assured.

Serious Illness Financial Limits
Up to £800,000	*No automatic requirements
£800,001 - £1,500,000	Financial Questionnaire
£1,500,001 and above	Financial Questionnaire with an independent third party signature or supporting evidence (e.g. proof of income, loan letters)

Disability Cover for Business and Serious Illness Cover for Business Financial Limits
Up to £1,000,000	*No automatic requirements
£1,000,001 - £2,000,000	Financial Questionnaire
£2,000,001 and above	Financial questionnaire with an independent third party signature or supporting evidence required in the form of reports and accounts
New start-up companies / companies making a loss	Financial questionnaire and supporting evidence may be requested, such as a business plan with projections or reports and accounts. Additional information may be requested regardless of the sum assured

Income Protection Financial Limits**
Employed	*No automatic requirements
Self Employed £12,501 and over per month (in the marketplace)	Financial Questionnaire and: three most recent HMRC agreed tax computations and self-assessments, and accounts relating to these where applicable

**Where an applicant is subject to more than one employment status, we reserve the right to request additional information in certain circumstances.

Relevant Life Insurance – the sum assured is calculated on salary multiples
Age 17 - 29	35x income
Age 30 - 39	30x income
Age 40 - 49	25x income
Age 50 - 59	20x income
Age 60 - 71	15x income

The multiples can include salary, bonus and dividend paid in lieu of salary plus any kind of taxable benefit in kind.

Where to next?

More resources

Find more underwriting resources in our literature library.

Conditions Covered

Look up the common conditions covered in our plans.

Underwriting overview

An overview of our underwriting philosophy with useful resources.

Life insurance overview

Financial protection for your clients and their loved ones.

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