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Life insurance that gives you

Up to 25% off
healthy food at Ocado


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Get healthy for less

We're the only insurer to encourage and reward you for being healthy, giving something back with our healthy rewards.

You can get up to 25% off healthy food from Ocado, with free delivery. So you can afford more of the food that does you good.

Take out life insurance with Wellness Optimiser and you'll be able to register your Ocado account , shop online and see how much you are saving at checkout (discount received will be based on your Vitality Status).  

Life Assurance Defaqto Rating 5 Stars Colour 2019

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How it works

Start with free delivery

As long as the total value of your order is £40 or more before the Vitality discount is applied and at least 30% of your total food and drink spend is made up of healthy food, you’ll qualify for free delivery.

Get active to unlock savings

Earn at least 40 Vitality activity points a month to save between 10% and 25% on up to £100 of healthy food a month. Your discount will depend on your Vitality status.

Work your way up to 25% off

To get the maximum 25% discount, you need to be on Platinum Vitality status and have earned at least 40 Vitality activity points in the previous month. Take a look at the table:

Vitality status  % discount*  Individual adult monthly spend cap  2+ adults monthly spend cap
 Bronze  10%  £100  £200
 Silver  15%   £100   £200
 Gold  20%   £100   £200
 Platinum  25%   £100   £200
*If there is one adult on the plan they need to earn 40 Vitality activity points in the previous month to qualify for the discount. Plans with two or more adults need to earn a combined 60 Vitality activity points in the previous month.

Earn Vitality points

If you have one adult on your plan, you can earn one Vitality point for every £2 you spend on healthy food, up to a maximum of 50 points a month.
If you have more than one adult on your plan, you can earn one Vitality point for every £2 you spend on healthy food, up to a maximum of 100 points a month.

How to save

1. Register for the Ocado benefit on the Member Zone

Before you can start saving, you must have completed your online Health Review and registered for the Ocado benefit via the Member Zone. We’ll then automatically link your Vitality membership to your Ocado account. You’ll be able to see the healthy food discount you’ll receive and your maximum healthy food spend cap on both the Member Zone and on the Ocado website in the Vitality service centre once you are registered and logged in.

2. Add healthy food to your trolley

There are 1,000s of products to choose from. Search for items such as fresh fruit and vegetables as you shop or when you browse by food category. Make sure you tick the ‘Vitality healthy food’ filter to see the Vitality healthy food items available in each category. 

3. See your savings as you check out

You’ll see how much you’ve saved as you place your order. If the total value of your order is £40 or more before the Vitality discount is applied and at least 30% of your total food and drink spend is made up of healthy food, you’ll qualify for free delivery.

How are we different from other insurance providers?

We are the first insurance company to reward people for healthy living. We aim to be best at what we do, offering comprehensive and 5-star Defaqto rated Life cover. We help you take a more active role in managing your own wellness, which can encourage you to develop healthy long-term habits. As well as improving and maintaining your long-term health, you can also keep your premiums low by improving your Vitality health status.

 

How do we reward you for being healthy?

The healthy living programme helps you improve your health – and saves you money at the same time. Measuring your daily fitness efforts can earn you Vitality activity rewards if your plan is eligible. By linking an eligible activity tracking device or app to your Vitality Profile, you can automatically start tracking your steps, running, swimming or cycling. The Vitality healthy living programme is available with a Vitality Optimiser or Wellness Optimiser.

Why choose VitalityLife?

  • A brand you can trust

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    In 2018, we paid out 99.8% of all life insurance claims. ~Vitality internal data, May 2019

  • 5-star Defaqto rated Cover

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    Our life cover, serious illness cover and income protection have all received 5-star Defaqto awards.

  • Discounts and rewards

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    We help you getting active and reward you for doing so. Discounts and rewards with brands like Virgin Active, Starbucks and Vue Cinema.

Insurance that rewards you for being healthy

Get access to discounts and rewards with Wellness Optimiser. Available with additional £4.50 on premiums above £30 per month.

  • Cinema tickets

    Get active and keep motivated with cinema tickets for Vue or Cineworld*.

  • Explore Europe and the UK

    Whether you’re looking to indulge in the delicacies of Paris, sightsee in Rome or trial the nightlife in Ibiza, VitalityLife can help you get there for less with British Airways**. 

  • 40% Gym Membership

    We've partnered with two of the UK's leading gym networks to offer you 40% off gym membership. A joining fee will apply.***.

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1Minimum monthly premiums of £30 for a single policy and £40 for a joint policy apply. Available with Wellness Optimiser or Vitality Optimiser for an additional fee of £4.50.

Your healthy food spend month will run from the first day of the month to midnight on the last day of the month - e.g. January 1st- January 31st. The discount level you receive will be based on your Vitality status on the day that you complete your healthy food shop. Ocado will only deliver where the minimum order value is £40 before the Vitality discount is applied. Ocado don’t deliver to the whole of the UK yet, but they are constantly reviewing their delivery areas. You can check if they deliver to your postcode at https://www.ocado.com/webshop/postcodeCheck.do.

If the benefit is unused in a given month, the capped amount cannot be carried over into further months. Only the principal member on the plan will be able to link their Vitality account to Ocado and claim the Ocado healthy food benefit. Ocado vouchers and existing offers will be accepted in conjunction with the Vitality discount. Smart Pass and promotions (e.g. 2 for 1) will be added before the Vitality discount, any coupons will be added after the Vitality discount. Vitality members with an Ocado Anytime Smart Pass qualify for free delivery every day with their pass, so Vitality free delivery won't apply. Vitality members with an Ocado Midweek Smart Pass qualify for free delivery from Tuesday – Thursday with their pass, so Vitality free delivery won't apply on those days. For the rest of the week, if at least 30% of the food and drink spend is healthy food, Vitality free delivery will apply.

Rewards

Minimum monthly premiums of £30 for a single policy and £40 for a joint policy apply. Available with Wellness Optimiser or Vitality Optimiser for an additional fee of £4.50 per month.

*Each adult member on the plan will need to earn 12 Vitality activity points per week for two consecutive weeks to unlock a cinema code. If you have children on your plan, each adult will need to earn 12 points a week for two consecutive weeks to unlock child cinema tickets. Your cinema ticket code will be valid for two weeks. Maximum of 12 tickets a year if you are a single planholder, 24 tickets a year if you are a joint planholder or 36 tickets a year if you are a family with one or more dependents on your plan. The cinema tickets are valid at either Cineworld or Vue cinema.

Excludes alternative content, special screenings, all viewings at Cineworld Leicester Square and Vue Premieres and Event Cinema. 3D glasses and upgrades for special viewings, seating options, VueXtreme, Cineworld Cheltenham Screening Rooms and all screenings at Vue Leicester Square are available for an additional cost. In absolutely no circumstances can voucher codes be sold or gifted to third parties by a member.

**Discount applies to return economy flights to selected domestic and short haul destinations and includes taxes and charges. The discount is subject to a minimum stay depending on the day of departure. Two nights overnight stay needed for Sunday to Thursday departures, and 1 night overnight stay needed for Fri and Sat departures. You can book a maximum of two discounted trips per year depending on your Vitality status. Please note that if you pay by credit card, a separate credit card fee will apply. The discount applies to standard, hand baggage only, semi-flexible and fully-flexible fares. The discount does not apply to optional extras such as special baggage fees.


*** Available with Wellness Optimiser for a small monthly fee. Applies to participating gyms in our Vitality Network and a joining fee will apply.

This offer does not apply to the Virgin Active Chiswick Riverside Health and Racquet Club.

Flexible Individual Platinum membership fees at selected David Lloyd Clubs. A joining fee of £60 applies.