Vitality Health or Life Insurance- discounts and freebies worth more than monthly fee e.g. Apple Watch, BA flights, Amazon Prime
733°

Vitality Health or Life Insurance- discounts and freebies worth more than monthly fee e.g. Apple Watch, BA flights, Amazon Prime

179
Found 17th OctEdited by:"iwantsomecheapstuff"
Short version, I spend £48 a month to get back about £200 in discounts per month. Could also be much more.

Long version below but bear with me

I don't think I have ever seen this on HUKD but I think it's one of the greatest deals that I have participated in. So my wife and I have life insurance with Vitality (also works with health insurance) and without going into too much detail, we pay £47.60 a month for the two of us. This is the minimum you need to pay in order to get 'Partner Rewards' I am about to delve into. The numbers I use are personally what we need to get these perks, there are some differences for others. Also works for the Health Insurance.

Couple of caveats, you need a compatible fitness tracker e.g. Fitbit, Garmin (they offer a up to 40% discount on Garmin products, more below) and earn enough points per week (12 per week per person)/month (160 per month) /year (3600) to get into Platinum status. It took my wife and I about 3 months to get to platinum but we have been reaping the rewards for 15 months now. Earning points is done by how active you are and the easiest way to explain is:
  • under 7,500 steps in a day- no points
  • 7,500-9,999 steps- 3 points
  • 10,000 to 12,499- 5 points
  • 12,500+ 8 points
  • Max 40 points per week (which is what you want to aim for for maximum perk-iness)
  • There are other ways to get the points without meeting the steps but the above is the easiest way to explain

Something I should mention about the Apple Watch and Prime perks below, you need to get 160 points a month which for most will be hard. If you do make the 160 points, you pay nothing. If however, you don't there is a direct debit set up in the background that activates and deducts the appropriate amount.

Assuming you meet all of these, these are the rewards we actually receive

  • £250 back per year (£125 per person) for being platinum, doing a healthcheck and not smoking.
  • 25% off health food at Ocado. We buy largely organic chicken, fish, vegetables which are all included in the 25% off. Additionally, if 30% of your basket is 'healthy' you get free delivery at any time of the day which is worth up to £7 each time. We can get up to £50 discount per month so if we fully utilise this (which sometimes we do) we are already making our money back before you even take into account the free delivery. Typically, it knocks off £17 a ship for us (with delivery), 4 times a week
  • Free Starbucks every week per person (need to get 12 points per person per week). To be honest, I don't like Starbucks so I don't really care for this, I basically force myself to use it
  • Free Cinema tickets every week per person (need to get 12 points per person per week). Use this maybe twice a month with the wife, £30 saved each time
  • Free Amazon Prime. I just saw this and this is what kicked me into writing this post; if you get 160 points per month, you get free Amazon Prime. I easily get 160 months (40 per week) so now my Prime will be free when my year runs out in a month ~ £6 per month
  • 50% off a pair of trainers at Sweatshop per year and this even includes sale items ~ £30 per year
  • 50% off at Lloyds Pharmacy. The missus likes John Masters which is ridiculously priced RRP but manageable at 50% (I do have to say that you should keep you receipts because it's not at POS, they rebate you every 3 months) ~ £60 every 3 months
  • 40% off return flights to Europe on BA. Admittedly, sometimes BA isn't the best deal (plus my wife works for BA!) but we have used this once and it knocked about 35% off (apparently Vitality's fares differ to regular consumer fares on some flights). You can use this twice a year ~ £200 a year (assuming you use it the full extent)
  • 75% off at Champneys Spas. We do this occasionally, for two people for two nights, it comes to about £200, all food included. They used to include some treatments but don't anymore. You also need to book several months in advance.
  • Life Insurance (that's what you are actually paying for)
  • Critical Illness Cover (we included this)
  • All of these are incentives to become healthier so I guess that's a perk?

Other perks that people may use but I don't:
  • 50% off membership at David Lloyds or Virgin Active
  • Up to £300 of Series 4 Apple Watch. Discount is based on points system
  • Up to 40% off Garmin. To give you a flavour of the discount, the Fenix 5S base model at £480 is discounted to £336
  • Up to 50% back at Evans Cycles

This also works with the Health Insurance which ups some of the discounts even more so take a good look.
Community Updates
Vitality Live Deals

Groups

Top comments
Plus cashback when you kick the bucket.
xtreme1236 m ago

Why don’t you get the Apple Watch if you’re getting 160 points a month? The …Why don’t you get the Apple Watch if you’re getting 160 points a month? The cheaper series 3 is free in your case


Because they are not a good fitness watch?
Joshua_Sheppard22 m ago

Boo to Private health insurance - WE HAVE A NHS


Yes an BOO to cars - we have public transport!
kfitzat6 m ago

Because they are not a good fitness watch?


Based on what exactly?
179 Comments
Why don’t you get the Apple Watch if you’re getting 160 points a month? The cheaper series 3 is free in your case
xtreme1236 m ago

Why don’t you get the Apple Watch if you’re getting 160 points a month? The …Why don’t you get the Apple Watch if you’re getting 160 points a month? The cheaper series 3 is free in your case


Because I don't have an iPhone and I think they want you to link it to their app if you get it for free
xtreme1236 m ago

Why don’t you get the Apple Watch if you’re getting 160 points a month? The …Why don’t you get the Apple Watch if you’re getting 160 points a month? The cheaper series 3 is free in your case


Because they are not a good fitness watch?
i could do the steps easy but i wont be getting back more than i will spend in my case, but can see how it might be useful for others.
kfitzat6 m ago

Because they are not a good fitness watch?


Based on what exactly?
Plus cashback when you kick the bucket.
It is really hard to get 160 points per month if it is only through exercise. I think points obtained other ways do not count for this. It is a maximum of 40 per week so if one week you miss the target or are on holidays you can't make the 160
Ouduk8 m ago

It is really hard to get 160 points per month if it is only through …It is really hard to get 160 points per month if it is only through exercise. I think points obtained other ways do not count for this. It is a maximum of 40 per week so if one week you miss the target or are on holidays you can't make the 160


I walk to work so it's pretty easy for me and even on holidays, my wife and I walk where we can so we are generally quite good on this. But agreed, it's not for everyone. On the other hand, 12 points per week is doable and the monthly points are only necessary if you are committing to Apple Watch and Prime
Can you get 2 benefits when hitting 160(max) points per month?

Eg, cinema tickets and the discounted Apple Watch?
mspychala3 m ago

Can you get 2 benefits when hitting 160(max) points per month?Eg, cinema …Can you get 2 benefits when hitting 160(max) points per month?Eg, cinema tickets and the discounted Apple Watch?


Can't say for sure but almost certainly yes. You don't 'use' points, I can get both the cinema and Starbucks each week if I only earn 12 points so presume that the Apple watch is the same
Heat for the effort, won’t be for everyone but those that can manage it some great incentives.
What’s the minimum length you can have? Because I could pay £48 and walk all the time for a month, grab the free Apple Watch then cancel?
mib2reaper15 m ago

What’s the minimum length you can have? Because I could pay £48 and walk al …What’s the minimum length you can have? Because I could pay £48 and walk all the time for a month, grab the free Apple Watch then cancel?


You have to set up a 2 year contract, £12.50 per month if you don’t earn any points £300 in total but don’t pay a penny of this if you hit 40 points every week.
The cinema perk for our family of 6 works out about £45/£50 every week, we joined up about 6 weeks ago & have used the cinema & Starbucks every week so far. Also just ordered the Apple Watch for £39 (£60 discount as signnup offer) as long as we get the 40 points every week then we won’t pay anything else for the watch
Heat for bringing this all together.
Anonymouse0117th Oct

Based on what exactly?


He read it in Pinocchio weekly
Does anyone know if any of the perks/benefits roll over each month?
no cinema locally or Starbucks but would use them both occasionally if we’re ever away in a bigger city/town
Perks used to be a lot better and the customer service is terrible..just be warned.
defgimp6 m ago

Does anyone know if any of the perks/benefits roll over each month?no …Does anyone know if any of the perks/benefits roll over each month?no cinema locally or Starbucks but would use them both occasionally if we’re ever away in a bigger city/town


Don't rollover, you get one perk a week if you hit the points
honeymonster862 m ago

Perks used to be a lot better and the customer service is terrible..just …Perks used to be a lot better and the customer service is terrible..just be warned.


They are inconsistent in my opinion. Sometimes great, sometimes not so. You eventually get what you need/want from them but it can take a while
looked at this, due to the 50% discount on virgin active...but in London , virgin active want £129 per month eek!
Funkymum1 h, 54 m ago

The cinema perk for our family of 6 works out about £45/£50 every week, we …The cinema perk for our family of 6 works out about £45/£50 every week, we joined up about 6 weeks ago & have used the cinema & Starbucks every week so far. Also just ordered the Apple Watch for £39 (£60 discount as signnup offer) as long as we get the 40 points every week then we won’t pay anything else for the watch

hi how did you get £60 discount on the Apple Watch deal?
Edited by: "Unlight" 17th Oct
iwantsomecheapstuff46 m ago

They are inconsistent in my opinion. Sometimes great, sometimes not so. …They are inconsistent in my opinion. Sometimes great, sometimes not so. You eventually get what you need/want from them but it can take a while


Yes that's a fair summary I think.

Two years in a row they didnt pay my cashback so had to chase then for it, they paid eventually but I wasn't impressed.

Then last year they changed the terms for my plan midway through the year and tried to get away without paying any cashback. I took them to task on it and they did eventually pay me but they were quite rude and if ignored my emails for weeks
Unlight27 m ago

hi how did you get £60 discount on the Apple Watch deal?


It was a sign up offer I think as I went through the Facebook page RunMummyRun
Is the health check compulsory? What does it involve?
Great info @iwantsomecheapstuff Going to work out whether this would be any good for us and our circumstances but looks like there are some great incentives.
Forgive me, I may have missed something but... how did you get to platinum in 3 months.

The Max is 160 points a month x 3 months = 480 points x 2 people = 960 points.

Platinum is 2,400 single or 3,600 dual.

so - if you’re a new member or an existing bronze member - you would need to get 40 points each, every week for 12 months to become platinum. That’s £600 of premium payments before you qualify for most of what you mention.

I accept that once you are platinum you remain platinum for the next premium year so long as you maintain the points.

I’m a silver member but only since I got an Apple Watch. The iPhone just isn’t accurate enough at step count to register the steps/points. Also, I go to the gym most days and in my experience it’s virtually impossible to meet the exercise requirements unless you are using professional grade heart monitoring equipment. The Apple Watch will often lose the rhythm for a few seconds and that’s enough to make your heart rate dip - according to the log - and then you don’t meet the requirement i.e. 30 mins at 60% maximum heart rate.

Also worth noting that not all vitality plans qualify for these perks. You have to have an optimiser package as far as I’m aware and that’s an extra payment, albeit I accept you factor that in as the ‘minimum’ premium level required.

Finally, you MUST open the vitality app to sync your points at least every 14 days. If you don’t, you lose them (or at least you have to contact vitality and ask them to sort it and that’s no a great experience)
Edited by: "ms2005" 17th Oct
Funkymum27 m ago

It was a sign up offer I think as I went through the Facebook page …It was a sign up offer I think as I went through the Facebook page RunMummyRun



Any chance of a link? Cant find it on there anywhere!
Cool! Haven't checked Vitality benefits in ages since they haven't done anything recently. A bit annoyed that I bought a year of Prime only to find out I could get it free.

I personally only use Starbucks (force myself as well), Apple Watch (yes it is a poor workout tracker and had to buy an iPhone *shudder*), Evans Cycle (want to see if I can get a Brompton next time) and the yearly cashback. Also Lloyds Pharmacy and Ocado on occasions.

Oh, and the having life insurance / critical illness is nice too.
ms200517 m ago

Forgive me, I may have missed something but... how did you get to platinum …Forgive me, I may have missed something but... how did you get to platinum in 3 months. The Max is 160 points a month x 3 months = 480 points x 2 people = 960 points.Platinum is 2,400 single or 3,600 dual. so - if you’re a new member or an existing bronze member - you would need to get 40 points each, every week for 12 months to become platinum. That’s £600 of premium payments before you qualify for most of what you mention. I accept that once you are platinum you remain platinum for the next premium year so long as you maintain the points.I’m a silver member but only since I got an Apple Watch. The iPhone just isn’t accurate enough at step count to register the steps/points. Also, I go to the gym most days and in my experience it’s virtually impossible to meet the exercise requirements unless you are using professional grade heart monitoring equipment. The Apple Watch will often lose the rhythm for a few seconds and that’s enough to make your heart rate dip - according to the log - and then you don’t meet the requirement i.e. 30 mins at 60% maximum heart rate. Also worth noting that not all vitality plans qualify for these perks. You have to have an optimiser package as far as I’m aware and that’s an extra payment, albeit I accept you factor that in as the ‘minimum’ premium level required.Finally, you MUST open the vitality app to sync your points at least every 14 days. If you don’t, you lose them (or at least you have to contact vitality and ask them to sort it and that’s no a great experience)


Really useful - thanks. I’ve never met the daily exercise requirement as I didn’t realise at first it was 30 mins non stop heart rate activity! I do the steps though and usually end up paying £5 per month for my Apple Watch.

I also use the cinema and Starbucks vouchers. All in all I’m happy with Vitality
ms200525 m ago

Forgive me, I may have missed something but... how did you get to platinum …Forgive me, I may have missed something but... how did you get to platinum in 3 months. The Max is 160 points a month x 3 months = 480 points x 2 people = 960 points.Platinum is 2,400 single or 3,600 dual. so - if you’re a new member or an existing bronze member - you would need to get 40 points each, every week for 12 months to become platinum. That’s £600 of premium payments before you qualify for most of what you mention. I accept that once you are platinum you remain platinum for the next premium year so long as you maintain the points.I’m a silver member but only since I got an Apple Watch. The iPhone just isn’t accurate enough at step count to register the steps/points. Also, I go to the gym most days and in my experience it’s virtually impossible to meet the exercise requirements unless you are using professional grade heart monitoring equipment. The Apple Watch will often lose the rhythm for a few seconds and that’s enough to make your heart rate dip - according to the log - and then you don’t meet the requirement i.e. 30 mins at 60% maximum heart rate. Also worth noting that not all vitality plans qualify for these perks. You have to have an optimiser package as far as I’m aware and that’s an extra payment, albeit I accept you factor that in as the ‘minimum’ premium level required.Finally, you MUST open the vitality app to sync your points at least every 14 days. If you don’t, you lose them (or at least you have to contact vitality and ask them to sort it and that’s no a great experience)


You may be right, it may have taken 4 months. They give you points for completing an online health survey (something like 300 points each), then an additional 700 odd points for taking their health review (you need to pay £10 for this and it's done at a Lloyds). They also give you points when you buy healthy food at Ocado and when you submit proof that you have been to the dentist. Basically, we went all out to get to platinum as soon as possible
psychdee30 m ago

Is the health check compulsory? What does it involve?


Not compulsory, costs 10 pounds. They take heart rate, BMI, blood pressure and some other measurements like glucose and cholesterol. To be fair, quite informative.
Heat for effort. We are already with vitality, and we happy with it. We do manage to use most of the perks most of the time. I would highly recommend, it suits us and our needs anyway
I had a look today for life insurance and it gave a quote of £16 a month for the two of us but it said in order to get some of the benefits such a Starbucks or cinema vouchers the premium needs to be at least £40!?
I applaud you for being really fit and healthy, but you are able to make use of these savings because you are spending on those things.
daymouse10 m ago

I had a look today for life insurance and it gave a quote of £16 a month …I had a look today for life insurance and it gave a quote of £16 a month for the two of us but it said in order to get some of the benefits such a Starbucks or cinema vouchers the premium needs to be at least £40!?


There's two levels, I think you can be below £40 as well but you obviously get less perks
Rangnarok3 m ago

I applaud you for being really fit and healthy, but you are able to make …I applaud you for being really fit and healthy, but you are able to make use of these savings because you are spending on those things.


Agreed, it's not for everyone. And some of the savings are forced however the biggest two are the £250 cashback per year and the Ocado (which we used prior anyway) so would have taken it even with only those two. The majority of the rest are nice to have
Do the points only work come from steps? I probably do just about enough to cover this (Garmin average is around 12,000) but really my main exercise comes from 10 hours + a week of cycling.
We have vitality but don't get any of the perks because I record nothing.I really need to get the finger out.
This is a good idea but i don't think it's suitable for someone who is very overweight. expecting someone who might be over 20-25 stone to do 10k steps per day initially isn't going to happen.
Post a comment
Avatar
@
    Text