How to Cancel Vitality Health Insurance (UK)
Need to stop your Vitality Health plan, avoid auto-renewal, or switch provider? Here’s the exact route cooling-off rules, mid-year cancellations, notice timing, contact details, and what happens to rewards or add-ons.
1) Quick checks before you cancel
Find your renewal date & planholder name in the Member Zone → Health → Manage my plan.
Decide your timing: You can cancel in the 14-day cooling-off window, at annual renewal, or mid-term (conditions/fees may apply).
Switching provider? Don’t cancel until your new cover is accepted to avoid gaps.
2) Ways to cancel (official channels)
Phone (Health team): 0345 602 3523 — Mon–Fri 08:00–19:00, Sat 09:00–13:00 (closed bank holidays).
Online: Start from Manage my plan / Account management and follow the prompts or secure-message route.
Tip: Keep your policy number and ask for written confirmation of the cancellation date.
3) Cooling-off period (first 14 days)
You can cancel within 14 days of the plan start or from when you receive your terms, whichever is later.
If no claims have been made, Vitality will refund premiums you’ve paid for that plan year.
4) Cancelling at renewal
You may choose to end the plan at any annual renewal date (tell Vitality before the renewal takes effect).
5) Cancelling mid-term (after cooling-off, before renewal)
Vitality’s Membership Guide allows mid-year cancellation subject to conditions. Some plan docs note Vitality may charge an administration fee (e.g., £40) if you cancel before the end of the 12-month term. Check your latest terms, as wording can vary by issue/date.
Expect no pro-rata refund for time already covered unless your terms state otherwise; you’ll typically just stop future renewals from the agreed end date. (Independent guides also reference a £40 fee on mid-term cancellations.)
6) Rewards, devices & add-ons to watch
Vitality rewards/partner perks (e.g., gyms, Waitrose, etc.) follow their own terms—ending your policy can stop eligibility but partner notice periods or fees may still apply.
Apple Watch or other device agreements linked to Vitality are separate contracts—cancelling the health plan doesn’t cancel device repayments. Check your device T&Cs.
7) If you’re leaving a company scheme
Moving off an employer plan? Vitality offers ways to continue cover personally so you don’t lose continuity—speak to them before you cancel.
8) Step-by-step (choose your scenario)
A) Inside 14 days
Call 0345 602 3523 or start via Manage my plan.
State you’re cancelling under the 14-day cooling-off.
Confirm no claims; keep written confirmation & refund details.
B) At renewal
Contact Vitality before the renewal date.
Ask to end at renewal (no admin fee referenced in guides).
Save the confirmation with the final cover date.
C) Mid-term
Call or message via Manage my plan.
Ask for the earliest end date and any fees (e.g., £40 admin).
Check impacts on rewards/devices; cancel partner services separately if needed.
Cancellation checklist
I’ve checked Member Zone → Manage my plan for dates/details.
I chose the right timing (14-day cooling-off / renewal / mid-term).
I cancelled via 0345 602 3523 or the online route and saved confirmation.
I reviewed fees and separate device/partner terms.
Plouta tip
Use Plouta to spot recurring insurance payments, set renewal reminders, and compare options before you cancel so you keep your cover tight and your costs low.
Vitality Health Insurance may show up on your statement as:
VITALITYHEALTH
VITALITYHEALTH, FIRST PAYMENT
VITALITY HEALTH INSURANCE
VITALITYHEALTH, INITIAL PAYMENT
FLYVITALITY.CO.UK 01908 352 000 GBR
FLYVITALITY.CO
BANK CREDIT VITALITYHEALTH
FLYVITALITY.CO 01908 352 000
VITALITYHEALTH 50943246 014014
VITALITYHEALTH 50943246 015015
VITALITYHEALTH 50943246 016016
VITALITYHEALTH 50943246 017017
VITALITYHEALTH 50943246 018018
VITALITYHEALTH 50943246 019019
VITALITYHEALTH 50943246 020020
VITALITYHEALTH 50943246 021021
VITALITYHEALTH 50943246 022022
VITALITYHEALTH 50943246 025025
VITALITYHEALTH 50943246 026026
VITALITYHEALTH 50943246 027027
VITALITYHEALTH 50943246 028028
VITALITYHEALTH 51419596 011011
VITALITYHEALTH 51419596 012012
VITALITYHEALTH 51419596 013013
VITALITYHEALTH 51419596 014014
VITALITYHEALTH 51419596 015015
VITALITYHEALTH 51419596 016016
VITALITYHEALTH 51856724 002002
VITALITYHEALTH 51856724 003003
VITALITYHEALTH 51856724 004004
Disclaimer
The guidance on this page is provided by Plouta for general information only. We are not affiliated with or endorsed by above listed business (or any other brand named here). Subscription terms, prices, refund policies, and cancellation routes can change at any time—especially if you signed up through a third party (e.g., Apple, Google Play, Amazon, Sky). Always verify the latest instructions in your account or with the provider directly before taking action.
Nothing on this page constitutes legal, financial, or consumer-rights advice. You’re responsible for any decisions you make and for any charges that may apply (including early-termination fees or non-refundable periods). Refunds and access periods are controlled by the provider and may depend on your billing cycle, plan type, location, and applicable law.
Plouta does not cancel services on your behalf. Do not share service passwords or one-time codes with anyone. All names, logos, and trademarks belong to their respective owners and are used here for identification only.
If you spot an error or a broken step, please contact us at marketing@plouta.com so we can review and update this guide.
Last updated: 29 August 2025
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