The main benefit of health insurance (also known as private medical insurance) is of course the access to private medical care. But there are also usually a range of additional benefits, perks and rewards worth considering when purchasing a policy. These usually support healthy living and reward you for making positive choices for your health and wellbeing. Below we outline some of the benefits available for some of the top insurers. 

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Aviva

Understanding your health

When you become an Aviva member you can sign up for MyHealthCounts, their online health questionnaire and programme which helps you understand more about your health and the lifestyle choices that might affect it. They’ll calculate your Q Score, which places you in a virtual queue of a hundred people – the higher your score, the further back you are in the queue and the lower your health risk.

Improving your health

Based on the results of your health questionnaire and Q score MyHealthCounts offers personalised advice, with online tools that could help improve your health. Aviva also offer their advantages programme which gives members 25% off gym memberships with many gyms to choose from.

Rewarding your efforts

Update your progress with MyHealthCounts between month 6 and 9 of your policy year and you could qualify for 15% off your health insurance renewal price.  

AXA

Axa use their expertise in health and wellbeing to expertly curate and bring you the products that really matter. They inspire you to get healthier and live the best possible version of yourself by providing the products that will help you achieve good health. To make the healthier choices more achievable they provide member discounts on all ActivePlus 2k+ hand picked products.

Bupa

Bupa have their own Bupa Everyday Rewards which offer 30% off Reebok fitness wear and 25% off the #1 rated home fitness app FiiT. They also offer exclusive discounts on yoga collections with Yogi Bare, Urban 1:1 online wellness and Scentered portable aromatherapy collections. Bupa’s experts continue to produce a huge amount of information on a range of health and wellbeing topics, plus free online health tools, calculators, quizzes, mobile apps and more from Bupa UK.

Vitality Health

Understanding your health

When you join Vitality Health, you can register with Member Zone to take the online Health Review. Using this information Vitality can set you goals and suggest some of their partners to help you achieve them. You can also find your Vitality Age – their scientific calculation that assesses the impact of your lifestyle on your health. This could be higher or lower than your actual age and is a great way of understanding your health.

Improving your Health

Vitality offer discounts on fitness tracking devices which allows you to track and report your levels of activity. Their Health Insurance policy gives you 50% discount on gym membership with Virgin Active, Nuffield Health and David Lloyd. You can get expert advice and inspiration for healthy eating choices with and discounts on WW digital. Plus a potential 40% cashback on healthy food from Waitrose when you get active. You can also receive 30% off an annual subscription to HeadSpace app to teach you to meditate and live mindfully.

Rewarding your efforts

Members can earn points by hitting their daily steps, working out at a partner gym, joining a parkrun, running, cycling or swimming using their linked activity tracking device. You can also earn points by having a Vitality Healthcheck and more. With these Vitality activity points, members can earn a wide range of rewards from Active Reward partners such as – Apple Watch, Café Nero, Waitrose, Amazon Prime, Champneys Health Spa, Cineworld & Vue and many more.

More on exactly how the Vitality rewards points below.

Health Rewards Points

Activity Activity Details Vitality points per activity
Online Health Review Each adult can take the Vitality Health Review each year to earn points. 100 points per year
Blood Pressure All adults can earn up to 120 points per year by taking the Vitality Healthcheck, fitness assessment or through your GP. A healthy result is below 120/80. 60 points per measurement taken & an additional 60 points per healthy measurement per year
Body Mass Index All adults can earn up to 120 points per year by taking the Vitality Healthcheck, fitness assessment or through your GP. A healthy BMI of 18.5 – 24.9. If the waist circumference is less than 80cm, the BMI range can be between 25.0 – 29.9. 60 points per measurement taken & an additional 60 points per healthy measurement per year
Cholesterol All adults can earn up to 120 points per year by taking the Vitality Healthcheck, fitness assessment or through your GP. A healthy result for men is a score <4.5 total cholesterol/HDL ratio and for women scoring score <4.0 total cholesterol/HDL ratio. 60 points per measurement taken & an additional 60 points per healthy measurement per year
Non-smoker declaration If adults complete the non-smokers declaration and confirm they are a non-smoker as part of a Vitality Healthcheck, there’s a maximum of 300 Vitality points per plan year.

100 point per year for online health review

200 points per year for pharmacy non-smoker declaration

Fitness By taking a fitness assessment at participating gyms, adults can earn up to 120 points 60 points & an additional 60 points per healthy result per year

Active Reward Points

Activity Details Points per activity
Gym Session You can earn 5 points per visit at participating Nuffield, Virgin Active and David Lloyd gyms 5 points per visit
Steps 7,000 steps per day – 3 points
10,000 steps per day – 5 points
12,500 steps per day – 8 points
Up to 8 points per day (maximum of 40 per week)
Heart Rate Monitor All adults can earn 5 points for working out at 60% of their age related maximum heart rate for a continuous period of 30 minutes or 8 points for 1 hour. Up to 8 points per day (maximum of 40 per week)

Mental Wellbeing Points

Activity Details Points per activity
Mindful Activity By completing 10 minutes of mindful activities on “Headspace” you can earn 2 points per day, a maximum of 6 points per week. 2 points per visit (maximum of 6 per week)

 

Check-ups & Vaccinations Points

Activity Details Points per activity
Influenza Vaccination All adults who are aged 60 and over or clinically appropriate. The evidence can be submitted from your GP. 100 points per year
Mammogram All females 45+ or as clinically appropriate. The evidence can be submitted from your GP or Vitality screening partners. 150 points per year
PAP Smear All females aged 25+. The evidence can be submitted from your GP or Vitality screening partners. 150 points per year
Prostate Screening All males 50+ or as clinically appropriate. The evidence can be submitted from your GP or Vitality screening partners. 150 points per year
Eye Test All adults aged 18+. The evidence can be sent from any optometrist or ophthalmologist. 50 points once every two years
Dental Check-up All adults and children can complete an online form in the “Member Zone” to confirm check-up. 100 points per year

 

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