We’re committed to providing you with the best service. We’ve answered your questions about the UK’s withdrawal from the EU and how it affects Vitality.
The UK left the EU on 31 January 2020 and entered an implementation period. This will operate until 31 December 2020. During the implementation period, EU law will continue to apply in the UK. The UK and the EU have indicated, in a Political Declaration, which they intend to reach agreement by the end of 2020. We will continue to watch any Brexit developments and engage with regulators.
Will consumer rights be affected during the implementation period?During the implementation period, EU law continues to apply until 31 December 2020. The current protection and rights consumers have are unaffected. This includes the Financial Ombudsman Services and the Financial Services Compensation Scheme (FSCS). The Financial Ombudsman Service helps settle disputes between customers and firms. The FSCS is designed to protect customers if a firm becomes insolvent.
If you're a VitalityHealth member, business or corporate scheme holder
How will Brexit affect VitalityHealth and my health plan?
Note to Republic of Ireland (RoI) members:
From January 2021, UK firms will likely lose 'passporting' in the European Economic Area (EEA). VitalityHealth provides cover to members of Northern Irish Business and Corporate Schemes.
VitalityHealth will lose its passport if 2020 ends with no agreement on financial services and passporting. If you are a RoI member, VitalityHealth will cover you. This is because we will use Part 8 of the Withdrawal of the United Kingdom from the European Union (Consequently Provision) Act 2019. We will inform the Central Bank of Ireland of our intention within three months of the UK’s exit from the EU, to do so. At the point of renewal, the employer can select which product best suits their needs. This approach will ensure service continuity in the event of a no-deal.
If I have an EU national employee based in the UK on a UK contract, will Brexit affect their coverage?
No. Eligible employees can add those:
• Aged 16 or over at their cover start date and subject to PAYE
• Living in the UK for at least 180 days in each plan year.
Can VitalityHealth provide overseas cover for a non-UK national employee based overseas?
No. See eligibility requirements above.
If you have the travel add-on
How will Brexit affect my Worldwide Travel Insurance plan and travelling to the EU?
Can I still drive my own car in the EU?
Corporate and business schemes might have Worldwide Travel or Emergency Overseas Cover options. Do we expect these to change after the implementation period?
No. These benefits are unaffected by Brexit either during or post the implementation period.
The European Health Insurance Card (EHIC)
From January 2020 until December 2020, the EHIC will work as it works now. After December 2020, this will depend on the type of deal the UK negotiates with the EU.
Our Worldwide Travel Insurance Plan gives you comprehensive cover for emergency medical expenses. Some routine and non-urgent treatment will not be covered under the plan.
If you're a VitalityLife member
How will Brexit affect VitalityLife and my life insurance plan?
If you're a VitalityInvest member
How will Brexit affect VitalityInvest and my ISA or pension plan?
VitalityInvest offers Pension and ISA products to UK residents. The products do not place a geographical restriction on members once sold. They won't be affected by the UKs withdrawal from the EU. The Pension and ISA products are ‘life policies’. This means if a member emigrates to the EU, the plan will still be in force. VitalityInvest does not need to seek EEA authorisation to service these contracts in future. This is from the European Insurance and Occupational Pension Authority (EIOPA).
For intermediaries and introducers
Will the UK's withdrawal affect Vitality's intermediaries and introducers?
No. The UK’s withdrawal will not affect our approach to intermediaries or introducers. All intermediaries and introducers must agree terms before conducting any business with us. Intermediaries must be authorised in the UK and hold the correct permissions. The UK’s withdrawal from the EU has not affected these requirements.
Vitality's outsourced providers
How will Brexit affect Vitality's outsourced providers?
We’ve liaised with our EEA-based suppliers. Leaving the EU will not affect their ability to provide services to Vitality.
Will the UK's withdrawal from the EU affect the legal contracts that Vitality has entered into?
No. Our contracts state that we follow ‘applicable law’, which makes them reactive to any changes.
Where does Vitality store my data?
Vitality uses servers in the UK, EEA (Germany and Ireland) and South Africa. This does not include our third parties, who are listed in our Privacy Notices:
What will Vitality do for data storage if the implementation period ends without an agreement?
The UK is no longer an EU Member State, the UK is classed as a ‘third country’. This does not affect us until the end of the implementation period. If a deal is not reached by 31 December 2020, we will have to rely on other safeguards, such as Standard Contractual Clauses. These are likely to mimic the EU Model Clauses which we currently use.
The UK intends to deem the EEA “adequate” for data transfers in the event that the UK withdraws without a deal. But transfers from the EU to UK will need a data export solution or derogation. This is until the UK is deemed adequate to receive EU Data.