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Vitality launches new insurance products

Today (9th February 2023), leading UK insurance provider Vitality have announced some exciting new changes to their range of products.

This is great news for anyone considering choosing Vitality to protect their home and family. There are now some new additional benefits and improved cover.

We are big fans of the way Vitality view life insurance and protection policies. This is due to their strong focus on rewarding members with active and healthy lifestyles. They both provide some of the most extensive policies in the UK and encourage positive lifestyle changes for healthier lives.

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iam|INSURED is the UK’s #1 rated Life Insurance & Income Protection specialist for people with pre-existing medical conditions.

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Vitality is an insurance company that likes to put their valued members first and support customers in improving their health and well-being.

Below we have some key facts about how Vitality did this in 2022 alone:

  • The equivalent of £100million was returned to Vitality customers in the form of lower monthly premiums and Vitality Rewards
  • Vitality provided 450,000 health assessments in 2022
  • More than 130,000 Vitality Active Rewards were awarded to members each week (as a result of Vitality points earned due to exercise and healthy living)
  • 3.7million workouts were logged via the Vitality app
  • 1.1million mindfulness sessions were logged via the Vitality app

Critical illness cover (referred to by Vitality as Serious Illness Cover) provides you with a cash lump sum if you are diagnosed with a serious illness covered by your policy. This includes common conditions such as:

Vitality already covered the widest range of illnesses in the critical illness cover market, with their enhanced plan covering up to 182 conditions. It is still worth checking the terms and conditions of your policy though, so you know exactly what you are covered for.

They have redesigned their Serious Illness Cover policies, to make it simpler to choose the right level of cover for your needs. There are now 3 Vitality Serious Illness Cover policies to choose from:

Vitality Serious Illness Cover1X Serious Illness Cover2X Serious Illness Cover3X Serious Illness Cover
Conditions covered overall114 conditions143 conditions174 conditions
100% payment conditions62 conditions74 conditions74 conditions
Conditions only covered by Vitality19 conditions35 conditions60 conditions
Can I claim more than once?NOYESYES

Children’s cover is now also FREE with any Serious Illness cover policy. The level of cover provided will mirror what is covered in the parent’s policy. This applies to not only your current children but also any you may have in the future!

Updates to Vitality Income Protection

Vitality have chosen to update their income protection insurance products for 2023. Income protection is a really useful policy to have in place, particularly if you cant access other support e.g. statutory sick pay (SSP). This form of insurance will pay out a regular monthly income to support you if you are signed off work due to illness or injury.

Income protection cover will begin payouts after a set waiting period (deferred period). These payments will continue until you return to work or the claim period ends.

Vitality now offer BOOSTED payments for their income protection policies – meaning you could receive up to 20% more each month!

Whether you qualify for these higher payments will depend on your Vitality status at the point you claim. These higher payments are available to Vitality Platinum members only, further encouraging customers to work hard to improve their health throughout the year.

FREE benefits of Vitality Protection products

Below we have some of the new key benefits announced by Vitality:

Serious Illness Cover benefits:

  • Most extensive cover on the market
  • Children’s cover for current children (plus any you have in the future) is included FREE with any Serious Illness Cover policy
  • NO Vitality Plus fee for children’s cover
  • FREE Odeon cinema tickets
  • FREE Kid’s Garmin activity trackers (with children’s cover)
  • DISCOUNTED TRAINERS for children with Runner Speed (with children’s cover)
  • Later life, dementia and frail care cover included AS STANDARD with Vitality policies

Income Protection benefits:

  • Boosted 20% higher payments for 6 months for Platinum Vitality members

Other benefits:

  • FREE Vitality Plus Health check within the first year of your cover (this can be face to face or virtual)
  • FREE advanced health screening for Vitality members
  • MULTI PRODUCT DISCOUNTS mean you can SAVE if you take out 2 or more policies with Vitality e.g. Life Insurance PLUS Serious Illness Cover
  • You can apply for up to 7 BENEFITS (e.g. Serious Illness Cover, Income Protection, Health Insurance, Car Insurance etc) in ONE application with Vitality

Our skilled insurance EXPERTS can help you compare the prices and products available with Vitality. We can assess the level of cover you need and help you choose the policy that best suits your budget.

Our team will help and support you through the application process and answer any questions you may have. With access to a range of excellent insurance advisors, we can also check other policies available on the market. This helps you to make sure Vitality is the right choice to PROTECT your loved ones.

With over 20 years expertise in the insurance industry, we always work hard to get you the RIGHT cover at the BEST price.

Useful resources

Iam|INSURED – Is critical illness insurance worth it?

Cover magazine – Only 7% of UK adults have critical illness or income protection

Safe Workers – Average sick days in the UK 2022

Health and Safety Executive – Working days lost in Great Britain (illness and injuries)

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