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Get Apple Watch with health or life insurance

  • Buy a qualifying health or life insurance plan with Vitality 
  • Get Apple Watch Series 11, from just £9 upfront, when you start your plan 
  • Pay less every month when you get active

*Credit agreement, minimum premiums, T&Cs apply

*We offer Apple Watch on a 40-month, 0% APR consumer credit agreement with 36 monthly Direct Debits through Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Subject to a satisfactory credit check. Checking your eligibility will place a soft search on your credit file which is not visible to other lenders. If you don’t stay active, you’ll pay between £0 and £10  each month for Apple Watch Series 11 (RRP from £369), or between £0 and £6 for an Apple Watch SE 3 (RRP from £219). Upfront costs vary depending on the size and model. The upfront cost and monthly payments will differ for further watch purchases. Apple watch terms and conditions apply. Please note, the Apple Watch benefit is not available if you live in the Channel Islands.

Ready for Apple Watch? Start with your plan.

Choose the protection that works for you:

Health insurance

Get fast access to private healthcare, including:

  • Private GP appointments
  • Specialist treatment for cancer, mental health and physio
  • Optional extras like optical, dental and hearing cover

From £1.45 a day1

Life insurance

Provide a lump sum for your loved ones when you pass away.  It can help cover:

  • Mortgage payments
  • Funeral costs
  • Life expenses for your loved ones

From £5 a month2

Your new Apple Watch is waiting

Let's take a peek at what you can choose with your plan.

Apple Watch Series 11
GPS or GPS + Cellular

Apple Watch Series 11

Get invaluable health insights including high or low heart rate notifications and sleep score. Plus, boost your fitness with advanced metrics for all your workouts, and get up to 24 hours of battery life3.

You pay: from £9 to £139 upfront, depending on the device you choose. Move more to pay less every month.

Apple Watch Series 11 requires iPhone 11 or later with iOS26 or later. Apple Watch Series 11 ships with, and requires, Watch OS26. It is not compatible with older versions. Bands are subject to availability4.

Apple Watch SE 3
GPS or GPS + Cellular

Apple Watch SE 3

Packed with essential features to help you stay connected, active, healthy and safe. However you move, you can get more insights into your performance.

You pay: £1 to £101 upfront, depending on the device you choose. Move more to pay less every month.

Apple Watch SE 3 requires iPhone 11 or later, or iPhone SE 2nd generation or later, with iOS 26 or later. Apple Watch SE 3 ships with, and requires, Watch OS26. Downgrading to an earlier OS version is not recommended. Bands are subject to availability4.

Apple Watch is a trademark of Apple, Inc., registered in US and other countries. Apple is not a participant in or sponsor of this promotion.

Pay less for your Apple Watch

Walk, run, swim, dance. Get active your way to earn points. And pay less every month.

How much activity you do How many activity points you earn
over the month
What you pay that month
Apple Watch Series 11

What you pay that month 
Apple Watch SE 3
Min 12,500 steps a day, 5x a week 160 £0 £0
Min 12,500 steps a day, 4x a week 120 £2.50 £1.50
Min 10,000 steps a day, 4x a week 80  £5  £3
Min 10,000 steps a day, 2x a week 40  £7.50  £4.50
Under 10,000 steps a day, 2x a week  0 - 39  £10  £6

Save even more with musicMagpie

Enjoy an extra 10% when you trade in your old Apple Watch with musicMagpie.

Get your exclusive discount code when you sign up for Apple Watch with Vitality. Terms and conditions apply. This offer cannot be used in conjunction with any other code and is one use, per member. Excludes mobile phones. musicMagpie reserves the right to alter these terms and conditions if necessary.

Jogger stops and checks their smartwatch

More rewards, this way

There's loads more rewards you can enjoy with Vitality. Like discounts on Fitbit, Garmin, Polar and Samsung. We picked our rewards specially, to help you get healthier and save money too.

Apple Watch FAQs

1 Price is based on the following criteria: a 30-year-old based in Peterborough, plan start date Sept 2025, Full Medical Underwriting, Consultant Select hospital option, £250 excess and £500 out-patient benefit and includes Insurance Premium Tax (IPT).

2 To enjoy Apple Watch, you’ll need a minimum monthly premium of £45 for single plans, or £60 for joint plans. Plus £5.50 per adult, per month to enjoy more Vitality rewards on plans with Vitality Plus benefits.

Battery life varies by use and configuration. See apple.com/uk/watch/battery for more information.

Cases, straps and colours are subject to availability and may change without notice.