Healthy Living Insurance
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Do you eat well? Are you physically active?
Do you want an insurance policy that rewards you for living an active and healthy lifestyle?
There are some insurances policies that you can take out that can give you rewards if you are fit and active. You can arrange these yourself or you might potentially be given them as part of an employee benefit from your employer.
Healthy living insurance policies can give you access to these kinds of rewards:
- Huge discounts on selected fitness devices and gym memberships
- Big money savings on hotels and flights
- Gift vouchers at popular UK stores
With some of the policies you can also choose to convert your fitness rewards into social responsible actions such as donating to food charities, plant tress and other amazing work. All these rewards are unique to individual insurers and can change over time
Here’s how it works!
Healthy Living Insurance
With these kinds of policies what usually happens is that you record your fitness levels through an exercise watch e.g. Apple, Garmin etc. and these are then linked to an app on your phone. The phone app then links to your insurance provider and pings over your exercise to tell them how many rewards you have earned from your activity levels.
Some popular ways of earning your fitness points:
- Walking
- Running
- Swimming – make sure your watch is waterproof!
- Dancing
It is worth noting that unless you eat well and are physically active you may find that your policy premiums increase instead of go down. So it is worthwhile carefully considering beforehand if this policy is the right one for you!
Types of Insurance
Healthy living insurance options are often a specific choice that you make with an insurer. You might be arranging a life insurance, critical illness cover or income protection insurance and then find that that they offer this perk. It’s usually just a tick of a button to change from a regular policy to a healthy living option.
At the moment in the UK the main providers of this style of reward based insurance policy are:
- VitalityLife – personal life insurance, critical illness cover, income protection and more
- YuLife – group life insurance, critical illness cover, income protection and more
Extra Perks
As well as earning rewards that can range from cashback, other financial and well-being support, there’s also extras that come with these policies that are worth knowing about.
- Virtual GP support – appointments with a UK GP wherever you are in the world, 24/7 and 365 days of the year
- Private prescriptions – get the treatment you need fast
- Mental health support – for people experiencing mild mental health symptoms and need a guiding hand
The insurers are able to change these perks when they choose to and it’s always worth keeping an eye out for the latest thing on offer.
Still unsure if this could be the policy for you?
If you are interested in how healthy living insurance works please feel free to speak with one of our advisers on 0800 567 7450. Alternatively please feel free to request a callback from one of our advisers through our online quotation system.
Please note that healthy living insurance is offered by just a couple of insurers in the UK and it might be that another insurer is much better for your circumstances. Our advisers will take the time to speak through your specific needs and find the right insurer and insurance policy for you.
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