What is the Vitality programme?

Our reason for creating the Vitality programme is simple. If you stay healthy by exercising regularly, eating well and not smoking, you could add years to your life. And that's why we believe insurance shouldn't only benefit people that need to claim.

Vitality is core to our plans*. This means everyone has access to our proven wellness programme, which includes activities, online tools and partner discounts to help you get and stay healthy for less.

How Vitality works

We give you discounts with our health partners and half price health screens, as well as useful tools to help you understand and monitor your health, and set goals to improve it. As you take part in the programme, you'll earn Vitality points which count towards your Vitality status, helping you to see your progress. Everyone starts at Bronze and come move up to Silver, then Gold and finally Platinum.

   

   

 

Show family points and status

   

   

You can build up premium savings

Every year for five years, you can build up premium savings. How much you build up depends on what cover you have, how much you pay for it and whether its level, decreasing or indexed. It also depends on your Vitality status. The higher it is the more premium savings you can make.

 

What premium savings can I build up?

Vitality status		The percentage of your premiums that you build up in premium savings
		Level or decreasing cover	Indexed cover
	Bronze	0%	10%
	Silver	7.5%	12.5%
	Gold	10%	15%
	Platinum	15%	20%

After five years, we’ll add together all the savings you’ve built up and use them to reduce your premiums for the next two years.

If you pay us monthly, we’ll divide your savings by 24 and reduce your next two years’ monthly premiums by that amount. If you pay annually, we’ll divide them by 2 and reduce your next two years’ annual premiums by that amount.

If you’ve achieved Platinum Vitality status each year for five years, then with level cover you could be paying up to 37.5% less in the years when we’re reducing your premiums.

Plan year	The cost of your monthly premium
Year 5	£40
Year 6	£25
Year 7	£25
Year 8	£40

With indexed cover you could save even more. If you’ve achieved Platinum Vitality status each year for five years, you could save the equivalent of a year’s premium.

After the two years are up, your premiums go back to normal.

The same thing happens every five years. So even while you’re paying lower premiums, you can still build up premium savings for the future. You won’t save any less while we’re reducing your premiums. That’s because, when we work out the premium savings for those two years, we’ll base the amount on your normal premium, not the lower one.

Finally, if there are any premium savings left over when your plan ends, you can use them to reduce premiums on another plan with us.

From 19 November 2011, Premium Saver is included in all new plans, except Business Protection Cover and Relevant Life Policies.

I applied for my policy before 19 November 2011 - how can I get Premium Saver? If you have an eligible plan, you can choose to upgrade to include Premium Saver at your next plan anniversary (for a higher premium). For more information , please contact your financial adviser.

Once Premium Saver is added it cannot be removed. The first five year period will begin from the anniversary date on which Premium Saver is added.

Plus you could reduce your protection premiums every year

If you have the PruProtect Plan we’ll reward you with reduced premiums each year. The higher your status, the greater the discount. That’s because we believe if you look after your health with our Vitality programme, you’re less likely to claim, so we think it’s only fair to reward you with lower premiums**.

 

What premium discounts can I receive?

Vitality status		Change to your monthly premium each year
	Bronze	Stays the same
	Silver	Reduces by 1%
	Gold	Reduces by 1.5%
	Platinum	Reduces by 3%

Keep in mind that these discounts are applied after any other premium changes such as indexation, following a policy review or an AcceleratorEnables you to get the cover you need, now - even if your budget is stretched. premium increase except Premium Saver.

Get even more with Vitality Plus

You can get even more from the Vitality programme if you choose to enhance your policy with Vitality Plus, available at an extra premium. We’ll give you a 50% discount on the full monthly individual gym membership fees with Virgin Active and LA fitness health clubs. Vitality Plus also makes looking after your health more rewarding: with great discounts available from  our reward partners, including Champneys, Cineworld, Ticketmaster and Eurostar. You can also book up to 2 discounted holidays per year, choosing from Mark Warner, Imagine Cruises or the Vitality Travel Club in partnership with Thomas Cook and the higher your Vitality status, the greater the discount. Plus you can get 2-for-1  tickets to concerts, films, festivals and West End shows as well as 50% off a Vodafone mobile phone contract.