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Wellness
Optimiser

Rewards you for understanding and improving your health

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Get an upfront premium discount of up to 60% on Whole of Life Cover and 40% on Fixed Term Cover, plus earn annual cashback

We can all do with a helping hand to keep an eye on certain key lifestyle-related health factors such as BMI and cholesterol that can affect our overall long-term health. By understanding these factors, you can take steps to maintain and improve your health.

That’s what makes Wellness Optimiser unique. It encourages you to know your health and also rewards you for taking steps to maintain or improve it with help from our Vitality Rewards Partners.

Your upfront discount

Start with an upfront premium discount of up to 60% on Whole of Life Cover and 40% on Fixed Term Cover

With Wellness Optimiser you get an upfront discount of between 30% and 60%, compared to our standard premium for Whole of Life Cover.

The table below shows the upfront discount you would get with Wellness Optimiser for Whole of Life Cover.

Age at entry  Your upfront discount 
≤45
60%
50  55% 
55  50% 
60  45% 
65  40% 
70  35% 
75  30% 

Alternatively, you get an upfront discount of between 10% and 40%, compared to our standard premium for Fixed Term cover.

Fixed Term (Years)  Your upfront discount 
10% 
10  15% 
15  20% 
20  25% 
25  30% 
30  35% 
≥35  40% 

 

Understand and know your health

To help you do that, we encourage you to have a Vitality health check every two years - at a specially discounted rate of £10* - to measure your four key lifestyle-related health factors:

  • Body Mass Index (BMI)
  • Blood Pressure
  • Cholesterol
  • Blood Glucose

This identifies whether each of these health factors are within a healthy range or if you need to take action to improve your health. Get rewarded for staying healthy over the long-term By improving (or maintaining) your Wellness and Vitality statuses, you can control how much your premiums change from year to year, like this:

    Vitality Status 
     Bronze Silver  Gold  Platinum 
 Wellness Status Select  2% 1%  0%  -1%* 
Healthy 3%  2%  1%  0% 
  Everyday  4% 3%  2%  1% 

*Your maximum premium reduction, due to annual premium adjustments on Wellness Optimiser is capped at 5%. Please speak to your financial adviser for more details.

Please speak to our advisers for more information about how to maintain or improve your Wellness and Vitality statuses

To recognise the extra effort needed to stay active as you get older, once you get to 80 years of age the number of Vitality points you need to determine your annual premium changes reduces by 50% and you no longer have to take a health check with Vitality. Also, your premiums will only change based on your Vitality status – as though you had a Wellness status of Select.

Cashback

The more active you are, the bigger the rewards

As long as you have taken a health check or health screen in your plan year, you will be eligible for cashback. The amount of cashback you receive is determined by your Vitality status. You can improve your status by collecting Vitality points. The more points you get the higher your status (and rewards) will be.

Rewards

When you add Wellness Optimiser to your plan, you also receive access to all our reward partners - like Apple Watch, Ocado and Virgin Active - and the chance to keep your premiums low in future by staying active and healthy.

   Bronze Silver  Gold  Platinum 
If one person is covered No cashback No cashback  £50 £125 
If two people are covered No cashback No cashback  £100 £250 

Compare your options

Explore the differences between Wellness Optimiser, Vitality Optimiser and Vitality Plus to see which one is right for you.

Learn more

Additional benefits of Wellness Optimiser

If you have Type 2 diabetes or an increased premium due to a high BMI**, we give you a higher upfront discount, because we recognise you may need to work harder to maintain or improve your health. Speak to one of our VitalityLife advisers for details.
Learn more
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Available with Wellness Optimiser or Vitality Optimiser for an additional monthly fee of £3.80. A minimum £30 monthly premium and further terms and conditions apply.

*You are entitled to two discounted health checks or screenings a plan year.

**We give you a higher upfront discount, because we recognise you may need to work harder to maintain or improve your health. Speak to one of our VitalityLife advisers for details.

***A high BMI that results in an underwriting loading being applied to your premium. Our advisers will explain what this means in more detail.