Living a healthy lifestyle through eating well and exercising, has become a major trend in the UK over the past few years. Growth in the popularity of organic food, healthy living gurus, clean eating cookbooks, fitness trackers and apps, and new gyms around the UK are all contributing to the health trend that’s sweeping our nation.
Maintaining a healthy lifestyle can contribute to lower premiums with some health insurers. Whilst insurance premiums are mainly based on age, location and medical inflation, when you exercise regularly, eat well, maintain a healthy weight, and avoid habits like smoking, some health insurers offer rewards to customers who are healthy, by offering discounts on their policies.
Here are some of the rewards available with UK leading health insurers.
Vitality
Vitality’s Reward Programme offers discounts and benefits for living a healthy lifestyle. To use the scheme, you need to have a qualifying Vitality insurance plan, download the Vitality UK app and connect your phone or fitness tracker.
When you get active, you’ll gain points which can be exchanged or used toward rewards.
Active Rewards
These come from tracking your weekly step count, workouts or gym visits. You can earn up to 40 points a week through healthy habits. You can benefit from weekly discounts on Caffe Nero drinks and 50% off weekly cinema tickets. When you hit a four-week streak, rewards include: a free cinema ticket, a free Carluccio’s meal, 50% off a cinema ticket and more.
Other benefits you can get with Vitality include:
Discounts on Apple Watch: the more steps you take, the more points you'll receive - and the more points you accumulate, the greater the discount you receive.
Up to 15% of you premium paid as cashback, as an incentive for not smoking
Up to 50% off health checks/screenings by having a policy
50% off Virgin Active or Nuffield Health monthly gym memberships (a joining fee will apply) by having a policy
Aviva
Aviva offer a scheme called ‘MyHealthCounts’ designed to help you understand your health and the lifestyle choices which may affect it.
It’s a digital health and wellbeing tool that’s easy to follow and provides lots of advice and support to help you manage and improve your health and wellbeing.
It can also help you to earn up to 15% discount on your next renewal premium.
How it works:
Tell Aviva about your health and lifestyle choices - things like what you eat and how much exercise you do.
They will then offer personalised advice, together with easy-to-use online tools, that could help you improve your health.
Once you have completed or updated your health risk assessments, a Q score will be generated for each one. The Q score will demonstrate your health risk - the higher your score, the lower your risk.
The Exeter
The Exeter offers a range of health and wellbeing benefits in their policies including:
Up to six mental health consultations a year
Up to six lifestyle consultations a year
Up to six nutrition consultations a year
One health MOT each policy year
WPA
WPA offer health and lifestyle benefits with their policies to support your journey including:
A 24/7 health and wellbeing helpline
Gym discounts with Hussle and specific Nuffield gyms
Discounts on health assessments, fitness trackers and healthy meal kits
Bupa
With Bupa you can expect benefits including:
10% off Bupa’s weight management plan
20% off health assessments
40% off multi-gym membership with Hussle
Freedom Health Insurance
A policy with Freedom Health Insurance can give you access to:
Online mental health and emotional wellbeing services
Fitness and movement platforms to promote daily activity
AXA
AXA offer a range of health and lifestyle benefits and rewards including:
Up to 40% off Nuffield Health and Hussle gym memberships.
25% off health assessments at Nuffield and Circle Health Group
A 24/7 health support line
Changed your lifestyle? Get a new quote and compare health insurance plans
If you’ve made a major lifestyle change – such as losing a significant amount of weight, or quitting smoking – since you took out your private medical insurance policy, it could be worth shopping around for a better deal. Our trained advisers search the market to find the best deal possible – saving you money without compromising on cover.
Market Leading Insurers
We work with the UK leading insurers. This means we can compare the market and provide you with the very best quote to suit your individual needs and often for less investment than you may initially think.
