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She chose Vitality, drawn by virtual GP access. Her monthly premium was £45, and she added outpatient cover. Within a short time, she saw a specialist—something she’d been told could take months via the NHS.
Financial feasibility remains a central concern. Entry-level plans may start from £25 per month, especially for those under 40. Many providers now offer rewards for healthy living, encouraging lifestyle improvements.
As you evaluate options, consider the following factors:
Coverage Type: Comprehensive
Excess Level: Higher excess lowers premiums
Hospital Access: Restricted panels
Extras: Virtual GP
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Vitality stand out for their digital tools. Vitality, for example, offers rewards for active lifestyles. Bupa’s "By You" plan allows modular upgrades, while WPA’s Flexible Health policy is praised for clear terms.
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