Skip to Content

BUSINESS HEALTHCARE CASHBACK OFFER

For SME clients not previously insured. ("the Offer")


1. This Offer is open, and applied automatically, to all Eligible Planholders who comply with these Terms and Conditions. For the purposes of these Terms and Conditions:

a) "Cashback" means the amount payable to the Eligible Planholder based on the Vitality healthy living activity of Participating Members during the Engagement Period; 

b) "Cashback Unit" means the value of one month's Premium of the Eligible Plan, calculated as an average of the monthly Premiums due for the first three months of the Eligible Plan, divided by the number of Participating Members;

c) "Eligible Plan" means a VitalityHealth Business Healthcare Plan:

i. that has a Plan Start Date between 1 November 2021 and 31 January 2022 inclusive;

ii. that has all Premiums paid up-to-date (i.e. not in arrears) at the Payment Date;

iii. that remains in force until the end of the first plan year (i.e. for a full 12 month period from the date of inception); and

iv. where the client has not previously had a private medical insurance plan, and all persons to be insured on the plan join on full medical underwriting (FMU), medical history disregarded (MHD) or new moratorium acceptance terms. Vitality will only accept the Eligible Plan application with MHD acceptance terms where it receives written confirmation from the Eligible Planholder’s group secretary that the client has not had a private medical insurance plan previously.

For the avoidance of doubt, VitalityHealth Business Healthcare Plans that include any Employees who were already insured under a VitalityHealth Business Healthcare Plan or VitalityHealth Corporate Healthcare Plan at any time between 15 September 2021 and 31 October 2021 (inclusive) will not be eligible for the Offer. 

d) "Eligible Planholder" means an organisation who has an Eligible Plan for the benefit of their Employees and is responsible for paying the Premiums on the Eligible Plan;

e) "Employee" means an employee of the Eligible Planholder who is covered on the Eligible
Planholder’s Eligible Plan in their own right (including Vitality at Work or Vitality Essentials), and not as a partner or dependant of another Employee;

f) "Engagement Period" means the calendar month in which the Plan Start Date commenced, until the end of the following two calendar months;

g) "First Qualifying Condition" means that the Participating Member has - subject to clause 9 - during the Engagement Period: 

i. completed all sections of the online Health Review (Vitality Age) assessment, and earned at least 100 Vitality Points for that completion; and 

ii. earned at least one Vitality Point for any points-earning physical activity (for example, steps, gym visit, heart rate, calories burnt etc); 

h) "Participating Member" means any Employee that:

i. is aged 18 or over when their cover under the Eligible Plan began; and

ii. remains covered on the Eligible Plan on the last day of the Engagement Period;

i) "Payment Date" means the date on which the Cashback amount is paid to the Eligible Planholder, this being no later than six months after the Plan Start Date. For the avoidance of doubt, this will mean that, where applicable, a valid direct debit instruction must be in place on that date;

j) "Plan Start Date" means the date on which insurance cover first began on the Eligible Plan;

k) "Premium" means the monthly amount paid by the Eligible Planholder to VitalityHealth in order to maintain coverage for a VitalityHealth Business Healthcare Plan;

l) "Second Qualifying Condition" means that the Participating Member has - subject to clause 9 - during the Engagement Period: 

i. completed all sections of the online Health Review (Vitality Age) assessment, and earned at least 100 Vitality Points for that completion; and 

ii. earned at least 48 Vitality Points for any points-earning physical activity (for example, steps, gym visit, heart rate, calories burnt etc) in either of the two calendar months following the month in which the plan started; 

m) "SME" means a small to medium sized business employing between 2 and 249 people;

n) "Third Qualifying Condition" means that the Participating Member has - subject to clause 9 - during the Engagement Period: 

i. completed all sections of the online Health Review (Vitality Age) assessment, and earned at least 100 Vitality Points for that completion; and 

ii. earned at least 48 Vitality Points for any points-earning physical activity (for example, steps, gym visit, heart rate, calories burnt etc) in each of the two calendar months following the month in which the plan started;

o) "Vitality" means Vitality Corporate Services Limited (registered number 05933141) of 3 More London Riverside, London SE1 2AQ;

p) "VitalityHealth Business Healthcare Plan" means a general insurance contract for the provision of private medical insurance services to an SME, administered by Vitality trading as VitalityHealth;

q) "VitalityHealth Corporate Healthcare Plan" means a general insurance contract for the provision of private medical insurance services or a corporate medical expenses product established as a healthcare master trust sold by Vitality to businesses employing 100 or more people and which is flat (i.e. experience) rated;

r) "VitalityInvest Plan" means an investment or pension product, administered by Vitality trading as  VitalityInvest;

s) "VitalityLife Plan" means a pure protection insurance contract, administered by Vitality trading as VitalityLife; and

t) "Vitality Points" means points awarded to a Participating Member under an Eligible Plan for healthy living activities (as specified by Vitality).

2) The amount of cashback that the Eligible Planholder, with an Eligible Plan, will be entitled to is the sum of all the Cashback Units earned, where: 

Each Participating Member meeting the First Qualifying Condition, but not meeting the Second Qualifying Condition or Third Qualifying Condition, earns the Eligible Planholder one Cashback Unit; 

Each Participating Member meeting the Second Qualifying Condition, but not the Third Qualifying Condition, earns the Eligible Planholder two Cashback Units; and 

Each Participating Member meeting the Third Qualifying Condition earns the Eligible Planholder three Cashback Units.

3. The Cashback amount will be calculated at the start of the fifth month after the Plan Start Date. This allows a period of one full calendar month after the end of the Engagement Period for any Vitality Points for physical activity earned during the Engagement Period to be submitted to Vitality, and for any membership changes that might affect the Premium, to take place. For the avoidance of doubt, the Cashback amount includes the insurance tax premium of 12%. 

4. The Cashback Unit(s) will be paid on the Payment Date, which will be no later than six months after the Plan Start Date, provided that the Eligible Planholder and/or Participating Member is still in compliance with these Terms and Conditions.

5. If an Eligible Planholder’s VitalityHealth Business Healthcare Plan lapses or is cancelled at any time during the 12 month period following the Plan Start Date, the Eligible Planholder must immediately repay any Cashback they received to Vitality.

6. The Offer is for the use of Eligible Planholders with an Eligible Plan only. Any organisation that had a VitalityHealth Business Healthcare Plan or VitalityHealth Corporate Healthcare plan providing cover for any of their employees between 15 September 2021 and 31 October 2021 (inclusive) will not be eligible for the Offer. For the avoidance of doubt, the employer cashback plan benefit, that rewards Business Healthcare planholders for their employees' engagement with healthy living activities during each plan year, is unaffected by this Offer.

7. To be eligible for the Offer, the Eligible Planholder must provide VitalityHealth with the email addresses of all Participating Members. For the avoidance of doubt, Vitality will not be liable in the event that a Participating Member has changed their email address and the Eligible Planholder has failed to notify Vitality of this change.

8. When taking part in the Offer, the Eligible Planholder and all Participating Members acknowledge and consent that their name and email address ("Personal Data") will be made available to Vitality for administrative purposes. All Personal Data of the Eligible Planholder and all Participating Members will be held and used for the purposes of this Offer by Vitality in accordance with Vitality’s privacy policies (which can be found on vitality.co.uk/privacy or if not, requested from Vitality) and data protection legislation.

9. If Vitality reasonably suspects any Eligible Planholder or its Employees to have committed or attempted to commit an act of fraud or dishonesty, the Eligible Planholder will repay to Vitality upon request the Cashback if this has already been received by the Eligible Planholder.

10. If a Participating Member already has another VitalityHealth, VitalityLife or VitalityInvest plan, and has completed their online Health Review (Vitality Age) assessment in the 15 months prior to the end of the Engagement Period, they will not need to complete the Health Review (Vitality Age) assessment during the Engagement Period.

11. Any decisions made by Vitality over eligibility or otherwise in relation to the Offer are final, will not be open to dispute and no correspondence will be entered into.

12. Vitality is not liable to any person in any way in relation to this incentive, except for any liability that cannot be excluded by law.

13. Vitality reserves the right to vary, extend or withdraw this incentive at any time, including in the event of fraudulent behaviour by any Eligible Planholder or Participating Member.

14. Vitality reserves the right to amend these Terms and Conditions on the provision of written notice or via Vitality’s website.

15. These Terms and Conditions shall be governed by English law and the parties agree to submit to the exclusive jurisdiction of English and Welsh courts and tribunals with regard to any dispute or claim arising under these Terms and Conditions