What is Vitality?

Vitality takes a proactive as well as reactive approach to healthcare - they place equal emphasis on improving members’ health, and ensuring that you have access to the best possible care should you need it.

• Proactive approach - The Vitality Rewards Programme is a points-based scheme where you are rewarded for getting active and staying healthy. Rewards can range from free coffees and cinema tickets to an Apple Watch!
• Reactive approach - Vitality’s Private Medical Cover gives you fast access to high-quality private medical facilities and treatments at a time and place that suits you, should you need to use it

What is covered?

Here are some of the benefits of being a member of Vitality:

• Integrated Primary Care with Vitality GP - access to a virtual GP consultation within 48 hours
• In-Patient and Day-Patient treatment - full cover for hospital fees, consultant fees and diagnostic tests
• Advanced Cancer Cover - comprehensive treatment and support should you need it
• Out-patient cover up to £1,000 with out-patient diagnostics included in full and surgical procedures in full
• Mental Health Support with Vitality Healthy Mind, Talking Therapies (up to 8 sessions of CBT or counselling), and Togetherall. Plus free access to the Headspace app for mindfulness.
• Physiotherapy cover - included in full within the network
• Therapies cover including chiropractic, osteopathy, chiropody/podiatry, acupuncture, homeopathy, and dietician
• Employee Assistance Programme - Access to a dedicated helpline providing debt counselling, legal and financial advice
• Vitality status-linked excess - the more Vitality points you collect, the lower your excess becomes
• Vitality Rewards Programme - discounts and rewards encouraged to keep you fit and healthy. Compete against others at Penrose Health to see who can collect the most Vitality Points!

What isn’t covered?

Here are some examples that aren’t covered by Vitality:

• Monitoring of, or routine treatment for, long-term (chronic) conditions
• Normal childbirth, birth control or infertility
• Cosmetic treatment
• Preventative treatment
• Optical, dental and audiological cover
• Overseas / travel cover

How much does it cost?

We pay your direct monthly premium costs, and you benefit from the healthcare cover for as long as you’re working with us. However, due to the laws around benefit-in-kind (BIK), there will be an increase in your monthly tax and national insurance payments i.e. a reduction in your monthly take home salary. The amount will depend on your current tax bracket and income.

More information on BIKs can be found on the Gov.uk website.

If you do make a claim, there is usually an excess payable of up to £250. This means that there is usually an additional cost if you do need to use some of Vitality’s healthcare services. Unfortunately, we can’t cover this cost. However, please note that if you are in a higher Vitality band by gaining more Vitality points, this can reduce your excess!

How to join

If you don’t want to join, you don’t need to do anything at all - we won’t enrol you unless you tell us that you want to join.

If you change your mind about being a member of Vitality and want to opt-out at a later date, reach out to our HR Administrator for help.

FAQs