UK Health Insurance Fitness Incentives
Many health insurance providers offer fitness incentives to encourage healthy living in the UK.
Leading the way is the Vitality programme, offering numerous benefits and cashback rewards to policyholders who maintain a healthy lifestyle.
This article dives into these fitness incentives, revealing how you can benefit from lower premiums and various perks simply by staying active.

Vitality Health: The King Of Fitness Incentives
Vitality is an insurance provider renowned for its extensive fitness incentive programme. They offer discounts on both private health and life insurance premiums when members achieve their weekly exercise goals.
Their innovative approach revolves around a comprehensive points-based scoring system, designed to encourage and reward physical activity.
Vitality's philosophy is simple: the more you move, the higher the rewards.
Simply connect your fitness tracker (Apple watch, Garmin, Fitbit, smartphone tracker) to the app and get rewarded for every 30 minutes of activity you do. This includes:
Doing yoga
Walking the dog
Joining a Park Run
Swimming laps in the pool
Attending a salsa dance class
Completing a strenuous gym workout - amongst others.
You can earn more points for completing certain health screenings/checks, getting routine vaccines, maintaining a healthy weight (body mass index) and practising mindful meditations via the interlinked Headspace app.
As mentioned, Vitality's points-based system is used to "score" your movement, which translates to various benefits and weekly/monthly rewards. These rewards are tallied up and are accessible through your Member Zone profile.
Vitality's philosophy is simple: the more you move, the higher the rewards.
Apart from the fantastic rewards, Vitality health insurance plans also include:
Video GP appointments
Mental health support
Cancer screenings and treatment
Menopause support
Optical, hearing and dental cover (optional extra)
Mental health cover (optional extra)
Does Your Current Policy Offer These Benefits?
Vitality scoring system
3 Vitality activity points
7,000 steps tracked in a day
5 Vitality activity points
10,000 steps tracked in a day
Partner gym visit
30 - 59 minutes at a 60% maximum heart rate
30 - 59 minutes with 300 kcals burned per hour
Park Run volunteer
8 Vitality activity points
12,500 steps tracked in a day
30 minutes at a 70% maximum heart rate
60 minutes at a 60% maximum heart rate
30+ minutes at 600 kcals burned per hour
60+ minutes at 300 kcal burned per hour
Park Run
Types of active rewards
25% off Caffé Nero food and drinks
25% Good Health food cashback from Waitrose & Partners
Monthly cinema tickets from ODEON or Vue
Weekly on-demand movie rentals from Rakuten TV
Discounts on Mindful Chef recipe boxes/Ready To Go range
Discounted Bluecrest Health Assessment
Up to 75% off Champneys spa stays/days
Up to 20% off Expedia hotel bookings (capped at four per year)
Discounted Bluecrest Health Assessment
50% savings on your gym membership (Virgin Active, Nuffield Health, PureGym) - however, you'll need to pay the joining fee
12-month Fiit membership
Various discounts on fitness trackers (Garmin, Fitbit, Polar, Samsung)
Exclusive discounts on Nike products
Much more!
Other UK Health Insurers Offering Fitness Incentives
Here's a list of other UK health insurance fitness incentives:
1. AXA Health
Save up to 40% off monthly individual membership fees at Nuffield Health centres.
40% off 24/7 online-only gym memberships.
£100 once-off Amazon gift card (as part of their referral programme).
2. Bupa UK
Save 50% on your first Abel & Cole fruit and veg box - with sliding scale discounts thereafter.
10% off health assessments.
40% off multi-gym memberships via the Hussle app.
20% savings on Fitbit products.
3. Aviva Health
25% off selected gym memberships (David Lloyd Gym, Virgin Active, The Gym Group).
Healthy lifestyle discounts.
4. WPA Health
Discounted gym memberships (Nuffield Fitness, Hussle Gyms, Fiit).
Various savings on Garmin fitness trackers.
Apex Rides discounts.
Cost savings on Bluecrest health checks and Check4Cancer screenings.
Specsavers discounts.
Discounted Allen Carr's Easyway seminars.
5. Benenden Health
Gym membership savings.
Discounted cinema tickets.
Discounted spa days.
Spree cashback cards.
6. Westfield Health
Save 30% on membership fees at selected gyms across the UK.
Discounted digital subscriptions for online workout programmes.
Various discounts are available for holidays, clothing, and equipment.
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As you can see, many insurers provide discounts for maintaining a healthy lifestyle, but Vitality takes the (metaphorical) cake!
Staying active, adopting healthier habits and going for your annual health review not only improves your physical wellness but can lead to significant cost savings on your premiums.
Remember, a healthy lifestyle is an investment in yourself and these fitness incentive programmes are designed to help you stay on track.
For more information, chat with the My Health Pal team today - your trusted partner in navigating the complexities of private health insurance.
Frequently Asked Questions
Get Answers to Common Queries About Health Insurance Coverage
Can I include my partner or children on my PMI policy?
Yes, most PMI providers offer the option to add family members to your policy, often at an additional cost.
Will my PMI premiums increase every year?
Premiums often increase due to age and medical inflation, but specific increases depend on your provider and any claims made.
Can I get PMI if I have a disability?
Yes, you can apply for PMI with a disability, but coverage for related pre-existing conditions may be limited or excluded.
Is there a cooling-off period after purchasing PMI?
Yes, there’s typically a 14-day cooling-off period during which you can cancel your policy without penalty.
Can I use PMI for treatment abroad?
Some PMI policies offer international coverage as an add-on, but it’s not standard and may incur higher premiums.
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