Vitality – A Very Different Life Cover That Rewards You For Being Healthy

Vitality is a provider of life insurance with many unique benefits

1) Serious Illness Cover – Pays out a cash lump sum on diagnosis of one the illnesses covered

• 175 Illnesses covered under comprehensive cover and 114 on primary cover compared to around 45 on a conventional critical illness plan which is the nearest equivalent
• Part payments made for earlier stage or less serious illnesses where other providers might nothing (any unused cover remains in place)
• Cover booster option means it would pay at least 100% of the sum assured on all illnesses covered which are the equivalent of a critical illness plan and in some cases up to 200% of the sum assured for debilitating illnesses with long term consequences.
• Incredibly comprehensive cancer cover that covers more cancers than any other provider and is 116% more likely to pay out than the standard cancer definition on a critical illness plan
• Pays out on all heart attacks and all strokes

2) Lifestyle Rewards – Chose a vitality plan with an optimiser and receive an up front discount on your cover * which also entitles you to access the following lifestyle rewards amongst many others (terms and conditions apply) * depending on Vitality Status (and also results of Vitality Health Check for Wellness Optimiser) at the end of the year cover could increase up to 2% with Vitality Optimiser and up to 4% with Wellness Optimiser. Cover may also remain level, increase by a smaller percentage or even decrease.

• An Apple Watch from just £69 up front (24 subsequent monthly payments from £0 to £12.50 depending on activity levels)
• 40% off Gym membership at Virgin Active or Nuffield Gyms – a joining fee applies
• A weekly Vue or Cineworld cinema ticket for everyone named on the plan including children, subject recorded activity levels
• Up to 50% (max £500) cashback on a bike at Evans Bikes subject to Vitality Status
• Up to 25 % off healthy food and free delivery with Ocado – terms and conditions apply
• Up to 40 % off a range of activity trackers from Polar and Garmin
• A hand made drink at Starbucks every week – subject to minimum recorded activity levels

 

Activity Tracking and Earning Vitality Points

The level of rewards can depend either on your Vitality Status or the Vitality Points you earned in the previous week or both.

1)Vitality Status – everyone starts on bronze (no points required) and the aim is to earn enough points to work you way through silver (800 points*) and gold (1600 points*) up to Platinum (2400 points*) Status which gives you the biggest discounts and rewards* points per person on the plan so double for a joint plan

2)Earning points to get your rewards and increase your status. This is achieved through a combination of Activity Tracking and Basic Health Checks

 

ACTIVITY TRACKING

Use a smartphone app called moves, or a compatible activity tracker device (many from Polar, Garmin and Apple with substantial discounts) devices with a heart rate monitor are most effective. This will give you Vitality Points for your activity. You just link the device to your Vitality account it will do the rest for you automatically i.e. Running for 30 minutes = 10 points 30 minutes exercise at 70% of maximum heart rate = 10 points 60 minutes cycling = 10 points Not all activities have to be high impact or aerobic, Vitality reward you just for being active 12500 recorded steps in a day = 10 points, 10000 gives you 5 points and just 7000 gives you 3 points. You might be able to earn maximum activity points just for walking your dog.

Health Checks

When you get your Vitality log ins just complete a simple online survey about your lifestyle and arrange a basic Vitality Health Check at your local Lloyds Pharmacy where they check blood pressure; Body Mass Index; glucose and cholesterol levels and smoker status. This alone could potentially earn you all the points you need to get to Silver status (max 880 points).