VitalityHealth Plan
PMI built around behavioural rewards and Vitality Programme
VitalityHealth bundles standard PMI cover with the Vitality Programme — points for verified healthy activity that translate into discounts on partners like Apple Watch, Caffè Nero and Garmin. The plan supports premium-reducing options such as a 6-month NHS wait, advanced cancer cover modules, and a Consultant Select network that meaningfully lowers premium where the client accepts a Vitality-chosen consultant.
Strengths
- • Vitality Programme rewards drive engagement — useful retention argument for SME schemes
- • Advanced cancer cover available as a paid module
- • Mental health cover with structured talking therapy access
- • Premium reductions for verified activity and partner integrations
Watchouts
- • Programme value depends on members actually engaging with rewards
- • Consultant Select restricts the free choice of consultant in exchange for premium savings
- • Some claim pathways route through Vitality's preferred providers
Best for
Health-engaged individuals and SME schemes where the broker wants a wellbeing story alongside acute cover.
Underwriting
Moratorium, full medical underwriting, and continued personal medical exclusions on switch.
Hospital network
Countrywide and Countrywide Plus hospital lists, plus the lower-cost Consultant Select option.
Comparisons
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Request a demoLast updated 18 May 2026