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VitalityHealth is a trading name of Vitality Health Limited and Vitality Corporate Services Limited. Registered numbers 05051253 and 05933141 respectively. VitalityLife is a trading name of Vitality Corporate Services Limited and Vitality Life Limited registered number 03319079. VitalityInvest is a trading name of Vitality Life Limited and Vitality Corporate Services Limited. Registered numbers 03319079 and 05933141 respectively.

Vitality Life Limited is the insurer which issues the VitalityLife plan, is the provider and manager of the VitalityInvest ISA and VitalityInvest JISA and the provider and scheme administrator of the VitalityInvest Retirement Plan. Vitality Health Limited is the insurer which underwrites the VitalityHealth plan. Vitality Corporate Services Limited is an authorised intermediary of Vitality Health Ltd and Vitality Life Ltd and arranges and administers the VitalityHealth, VitalityLife and VitalityInvest plans. All companies are registered in England and Wales. Registered office at 3 More London Riverside, London, SE1 2AQ.

Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 461107).

Vitality Health Limited and Vitality Life Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRNS: 400057 & 675028 respectively). Vitality Health trust administration business is handled by Vitality Corporate Services Limited and this activity is not regulated by the Financial Conduct Authority.

Calls may be recorded/monitored to help improve customer service. Call charges may vary.

Legal information Data protection

Privacy policy

You can see our new Privacy Policy (effective from 25 May 2018) here.

Site security

Site security

Vitality take information security very seriously and take all reasonable steps to secure and protect your information. We have an effective encryption system in place to protect any electronic communications to our website. We also have secure firewall software and other measures in place to prevent unauthorised access. Look for a padlock symbol next to the address bar to confirm that you are in a secure area.

All information you provide to us is stored on secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site or applications, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

When you send information to us by email, please bear in mind that the transmission of information over the internet is not completely secure, unless the information is encrypted. Whilst we take all reasonable steps to protect your personal data on our systems, we cannot guarantee the security of any data you choose to email to us, so, please be aware that sending us your personal data via email is at your own risk. Once we have received your information, we will use strict procedures and security controls to ensure its ongoing confidentiality and protection.

With regards to each of your visits to our site we may automatically collect the following:

  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); plans you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs); and methods used to browse away from the page and any phone number used to call our customer service number.

If you have any concerns in relation to the security of our site or your personal data contained within it, please contact the Subject Access Request team:

Email: dsar@vitality.co.uk
Post: DSAR Team, St Christopher House, 217 Wellington Road South, Stockport, SK2 6NG.

Telephone calls

Telephone calls

Calls may be monitored and recorded for training and compliance purposes.

Call charges may vary.

Unless indicated lines are open Monday to Thursday, 8.30am to 6.00pm and Friday, 8:30am - 5:00pm.

If you call VitalityLife, you may be speaking with a financial adviser from Genesis Financial Advisory Services (UK) Ltd (Financial Conduct Authority Firm reference number: 518666). Genesis is directly authorised to support VitalityLife Advisers outside our standard operating hours and when we experience higher than normal customer enquiries.
Solvency and Financial Condition Report

Solvency and Financial Condition Report

Under the Prudential Regulation Authority (PRA) rules and Solvency II regulations, a PRA-authorised insurance undertaking (firm) must disclose publicly, on an annual basis, a Solvency and Financial Condition Report (SFCR). The SFCR contains narrative information in quantitative and qualitative form supplemented, where appropriate, with quantitative templates. A firm’s SFCR must contain the following information:

1. a description of the business and performance of the firm;
2. a description of the system of governance of the firm and an assessment of its adequacy for the risk profile of the firm;
3. a description of the risk exposure, risk concentration, risk mitigation and risk sensitivity separately for each category of risk of the firm;
4. a description, separately for assets, technical provisions and other liabilities, of the bases and methods used for their valuation, together with an explanation of any major differences in the bases and methods used for the valuation of those assets, technical provisions and other liabilities in financial statements of the firm; and
5. a description of the capital management of the firm, including information on own funds, solvency capital requirement and minimum capital requirement.

The Group have prepared three individual or solo SFCRs for Vitality Life Limited, Vitality Health Insurance Limited and Vitality Health Limited and an EEA Group SFCR for Discovery Group Europe Limited.

2017

Vitality Life Limited SFCR for the year ending 30 June 2017

Vitality Health Insurance Limited SFCR for the year ending 30 June 2017

Vitality Health Limited SFCR for the year ending 30 June 2017

Discovery Group Europe Limited SFCR for the year ending 30 June 2017

2016

Vitality Life Limited SFCR for the year ending 30 June 2016

Vitality Health Insurance Limited SFCR for the year ending 30 June 2016

Vitality Health Limited SFCR for the year ending 30 June 2016

Discovery Group Europe Limited SFCR for the year ending 30 June 2016
Modern Slavery Act 2015

Statement by Neville Koopowitz, CEO for Vitality Health and Herschel Mayers, CEO for Vitality Life

Vitality seeks to eliminate human trafficking and slavery from our supply chains.  We strongly oppose any use of slavery or human trafficking in the provision of
our services and promotes ethical and lawful business practices within our workplace.  Vitality will not tolerate or condone any form of policy or practice that constitutes human trafficking or slavery in any part of our organisation.  This policy complies with the UK Modern Slavery Act 2015.
Vitality suppliers are an important part of our success and our culture.  We expect each business partner to conduct their business with the same commitment to ethical business practices as Vitality.  This includes:

  • Suppliers are not to use slave labour, illegal child labour or forced labour
  • Suppliers will ensure that the overall terms of employment are voluntary
  • Suppliers will follow all local employment laws regarding minimum age requirements, wages, overtime benefits and the number of hours worked in a seven day week
  • Suppliers will from time to time certify that they conform to the expectations above.
  • Suppliers must be able to demonstrate compliance with this policy at the request and satisfaction of Vitality.  

Vitality will maintain internal accountability standards and procedures for employees or contractors failing to meet company standards regarding slavery and human trafficking.  Vitality will promptly and thoroughly investigate any claim or indication that a supplier is engaging in human trafficking or slave labour.  If any supplier is found in violation of this policy, Vitality will take prompt, remedial action to address the violation.
Vitality will provide ongoing training to its employees on the laws and Vitality’s policy against human trafficking and slavery.
Given the nature of our business, our board and management teams throughout the various parts of the Vitality Group believe that there is an extremely low likelihood of there being any involvement in slavery or human trafficking either within our group or within the supply chains that we utilise to deliver our services to our customers.

Our company structure
The Vitality Group in the United Kingdom consists of the following companies;

  • Discovery Group Europe Limited
  • Discovery Holdings Europe Limited
  • Vitality Corporate Services Limited
  • Vitality Health Limited
  • Vitality Life Limited
  • Vitality Health Insurance Limited
  • Insure Your Health Limited

Ultimately these firms are owned by the Discovery Group which is based in South Africa.

We employ around 1500 employees across a number of locations in the United Kingdom and our primary offices are in Bournemouth, London and Stockport. The Group turnover is over £500M and we insure over 850,000 customers.

Our business
Companies in the Vitality Group are involved in the provision and distribution of private medical insurance, life insurance and protection insurance to customers based in the UK. Our insurance plans are purchased by private individuals, SMEs and large corporate customers.
All our insurance plans include “Vitality” which is our wellness programme that helps you to understand your health, makes it cheaper and easier to get healthy and rewards you for making healthy lifestyle choices.

Our supply chains
Our supply chains that support our service delivery are limited and include a small number of 
Offshore firms that provide IT support and “back office” functions such as invoice processing and plan administration
Business partners who support our Vitality programme 

Our policies on slavery and human trafficking
We are committed to ensuring that there is no modern slavery or human trafficking at any stage in our supply chains or in any part of our business. We have in place a Vitality Anti-Slavery Policy that reflects our commitment to acting ethically and with integrity in all our business relationships and to implementing and enforcing effective systems and controls to ensure slavery and human trafficking is not taking place anywhere in our supply chains. 
Additionally we have a Supplier Code of Conduct that outlines the expectations that we have of our suppliers in areas such as;

  • Health, safety and the environment
  • Bribery and corruption
  • Financial Crime
  • Employment Standards

Due diligence processes for slavery and human trafficking
As part of our initiative to identify and mitigate risk we carry out risk-based due diligence that will incorporate where necessary an assessment as to any potential risk of slavery and human trafficking. 
We have in place systems to:

  • Identify and assess potential risk areas in our supply chains.
  • Mitigate the risk of slavery and human trafficking occurring in our supply chains.
  • Monitor potential risk areas in our supply chains.
  • Protect whistle blowers. 

Supplier adherence to our values
We have zero tolerance to slavery and human trafficking. To ensure all those in our supply chain and contractors comply with our values we have a supplier monitoring programme that will involve periodic reviews of our suppliers.

Training
To ensure a high level of understanding of the risks of modern slavery and human trafficking in our supply chains and our business, we provide training to our staff. 

Further steps
Our intention in the coming year is to ensure that our suppliers maintain their adherence to our Supplier Code of Conduct and to further develop our processes and procedures to ensure that we identify and eliminate risks related to slavery and human trafficking. 

This statement is made pursuant to section 54(1) of the Modern Slavery Act 2015 and constitutes our Group's slavery and human trafficking statement for the financial year ending 30 June 2017.

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