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Vitality FAQs

What’s the difference between health and life insurance?
Health insurance pays for your treatment in the private medical sector if you fall ill or are affected by an acute medical condition.

Life insurance, on the other hand, pays a fixed sum to your loved ones when you die. With some policies, it also pays you a fixed sum – based on the severity of your condition – if you’re diagnosed with a serious illness.

However, our health and life insurance do share two important similarities as well: firstly, unlike other providers, both are designed to help prevent illness and keep you in good health. That’s because they both give you the chance to earn rewards for getting active, like weekly cinema tickets and big discounts on travel. Rewards come as standard with Personal Healthcare plans and are available on Life plans that include Vitality Optimiser.

Secondly, both our health and life insurance have been independently rated 5-star by Defaqto – to give you the extra peace of mind that comes with knowing you’re taking out some of the highest-quality cover available.
Do I need to take out both health and life insurance?
It depends totally on your personal preferences and circumstances. For example, if you value guaranteed fast access to medical treatment, our health cover gives you exactly what you need. Similarly, if you’ve just bought property or started a family, life insurance is a good way to protect your family’s financial future, should anything ever happen to you.
Which one do I need - health insurance or life insurance?
It depends totally on your personal preferences and circumstances. For example, if you value guaranteed fast access to medical treatment, our health cover gives you exactly what you need. Similarly, if you’ve just bought property or started a family, life insurance is a good way to protect your family’s financial future, should anything ever happen to you.
When should I be thinking about health or life insurance?
You never know what life might bring. It’s more likely that you’ll need healthcare the older you get, but even if you’re in your 20s or 30s, health insurance can still be useful - for example if you suffer from a sporting injury and need fast access to a consultant or physiotherapist.  

It’s a little different with life insurance, because there are different types of cover better suited to different stages in your life. For example, when you buy your first property, you might want to protect your income - and your investment - should you ever be off work because of an accident. Similarly, when you have children, you might feel the need to provide them with a little extra security for their future. And when you’re coming up to retirement, taking out some form of cover can give you extra peace of mind in your later years or give you the opportunity to leave a gift to your family.
Can the NHS not cover my healthcare?
The NHS will treat you for the conditions that private health insurance covers. It’s just that, in an era of high demand for healthcare, you may have longer to wait for certain treatments in the NHS and you don’t have much control over where you’re treated or who treats you.

With our private healthcare, you have the certainty of knowing you’ll have a video consultation with one of our private Vitality GPs within 48 hours and receive fast consultant referrals. So, in the end, it comes down to a matter of deciding how much you value speed of treatment and control over the treatment process.
Do I need to have a medical before I can take out health or life insurance?
You don’t need to have a medical, but you do need to tell us about any medical conditions you have as part of your application.

If you don’t have any pre-existing medical conditions when you take out a plan, you can just give us your personal details, pick your cover and answer some basic questions about your medical history. Depending on the answers, we may ask you for more information and exclude some medical conditions from your cover, or we may not offer you cover.

For more information on underwriting, speak to our team on 0808 252 5548.
How can I cut the cost of health and life insurance?
There’s more than one way to control your premiums for both health and life insurance. With health insurance, you have three main options. Firstly, if you’re happy to let your Vitality GP pick a  consultant and hospital on your behalf, our Vitality GP Select plan gives you all the benefits of our Core Cover at a reduced rate. Secondly, you can also choose an excess, in the same way as home or car insurance – the higher the excess you set, the lower your premium. Thirdly, you you can save on your renewal premium by doing healthy things to raise your Vitality status.

For life insurance, you can cut the cost of your upfront premiums in the first year by up to 47%, if you add the Vitality Optimiser option to your plan. For fixed-term cover, the level of your starting discount depends on the number of years you choose; for Whole of Life cover, it’s based on your age at the start of the plan.

If you don’t make a claim in subsequent years of your plan, your Vitality Status can give you another way to keep your life insurance premiums low. For example, by reaching Gold Vitality status, your premium will stay the same as long as you maintain Gold status; if you reach Platinum Vitality status, your premium will go down by 1% a year, as long as you maintain Platinum status. The same applies to life insurance premiums, as long as you add the Vitality Optimiser option.

There’s one more way to save money with our health and life insurance; by tracking your activity and getting active, you can earn a wide range of rewards and discounts from our partners. These include a weekly cinema ticket at Cineworld or Vue and a weekly handcrafted drink at Starbucks.

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