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ActiveQuote Global Reach, Dunleavey Drive Cardiff South Wales CF11 0SN 0800 862 0373

VitalityLife Essentials Comprehensive Cover | ActiveQuote

Date Reviewed:  17.05.2019

 

What is the minimum acceptable age at commencement when applying for VitalityLife Essentials Comprehensive Cover?

The minimum age at entry is 16 attained.

 

Who can take out a VitalityLife plan?

You can apply for a VitalityLife plan as long as you are:

  • Aged between 16 and 74, inclusive,
  • A UK resident this excludes the Channel Islands and the Isle of Man.

 

What is the maximum age attained at the commencement of insured for VitalityLife Essentials Comprehensive Cover?

The maximum age at entry for fixed-term Life Cover is 74 attained

 

What is the minimum policy term for VitalityLife Essentials Comprehensive Cover?

The minimum term is 5 years.

 

What is the minimum sum assured for VitalityLife Essentials Comprehensive Cover?

The minimum sum assured is £10,000 for Life Cover, Serious Illness Cover and Disability Cover

 

What is the maximum sum assured for life cover only and where accelerated CIC is included for VitalityLife Essentials Comprehensive Cover?

The maximum amount of Life Cover is £20,000,000, subject to financial underwriting.

If both people covered in a joint life plan die, and it is not possible to determine who died first, VitalityLife will pay the total amount of the plan account.

The maximum amount of Life Cover VitalityLife will pay in respect of each person covered is £20,000,000.

This total includes all Life Cover provided for each person covered under all plans issued by VitalityLife. In all other circumstances, VitalityLife will pay the current benefit amount.

 

Is there an additional critical illness cover for VitalityLife Essentials Comprehensive Cover?

The Serious Illness Cover can be arranged on a stand-alone basis.

 

What is the minimum acceptable monthly premium for VitalityLife Essentials Comprehensive Cover?

The minimum premium on the plan is £8.00 per month.

 

What are the additional benefits with VitalityLife Essentials Comprehensive Cover?

Fracture CoverNo

Donor CoverNo

Other benefits – Education Cover

Education Cover provides a range of benefits to cover the expenses associated with your child's education. You can choose to provide Education Cover for one of your children or for more than one child.

The benefits will be paid if the person covered dies or is diagnosed with a terminal illness. In addition, if you have selected Education Cover that pays out on serious illness the benefits will be paid if you suffer from a serious illness that meets our definition of a severity A serious illness. Your plan schedule shows whether you have chosen this option.

VitalityLife offers different types of Education Cover for children who are at State school, Private school with boarding or Private day school. Your plan schedule shows which type of cover you have selected. Unless we say otherwise, the following information applies to all types of cover.

School Fees Benefit

If you have selected the Private School with Boarding Education Cover or the Private Day School Education Cover you will be entitled to the School Fees Benefit. This benefit is not available if you have selected the State School Education Cover.

The School Fees Benefit provides a regular amount at the beginning of each school term to cover the primary and secondary school fees of a child.

When we will pay this benefit

VitalityLife will pay the School Fees Benefit in respect of each child named on your plan schedule if the person covered dies, or is diagnosed with a terminal illness. If you have selected Education Cover that also pays out on serious illness the benefits will be paid if you suffer from a serious illness that meets our definition of a severity A serious illness. Your claim also needs to meet other criteria. We set these out in provision C6.8.

The School Fees Benefit will be paid at the start of each school term. Before we will pay the benefit we will require evidence of the actual amount of school fees payable for the coming term.

The first benefit payment will be payable at the start of the school term immediately following the date of claim.

If your child has not yet reached the compulsory school age (as defined by the Education Act 1996) benefit payments will only begin once they reach this age.

How much VitalityLife will pay

At the start of each term, VitalityLife will pay an amount equal to the school fees due for each child listed in your plan schedule up to a maximum amount.

The maximum amount for the School Fees Benefit may change each year. The change will reflect our assessment of the change in cost of school fees each year. The maximum amount for the first policy year is shown on your plan schedule. The maximum amount for subsequent policy years will be shown on your anniversary schedule.

While VitalityLife is paying a claim for School Fees Benefit we will review the amount that we will pay each school term for the coming school year on 1st September. The amount which VitalityLife will pay each term for the coming school year will be the lower of:

  • The actual amount of school fees payable in respect of the child for the coming school year
  • The maximum amount of school fees payable in the previous year increased by the lower of:

Our assessment of the change in the cost of school fees for the coming year

12%

The last payment VitalityLife will make for this benefit will be on the earlier of;

  • The child no longer being enrolled at a primary or secondary school
  • The start of the school term immediately before their 19th birthday
  • The death of the child

If the child leaves a private school and enrols at a state school where no fees are payable, the regular amount of benefit will still be paid. The benefit amount will be 50% of the last regular benefit paid while the child was at a private school.

University Fees Benefit

If one or more of the children listed in your plan schedule attend a UK university we will pay an amount towards their university fees each year.

When VitalityLife will pay this benefit

VitalityLife will pay the University Fees Benefit if the person covered dies, or is diagnosed with a terminal illness. If you have selected Education Cover that also pays out on serious illness the benefits will be paid if you suffer from a serious illness that meets our definition of a severity A serious illness. Your claim also needs to meet other criteria. We set these out in provision C6.8.

VitalityLife will pay the benefit if the child is attending a UK university and is studying towards one of the following qualifications:

  • First degrees, such as a Bachelor of Arts, Science or Education
  • Foundation Degree
  • Certificate of Higher Education
  • Diploma of Higher Education
  • Higher National Certificate
  • Higher National Diploma

Before VitalityLife will pay the benefit VitalityLife will require evidence confirming that the child is attending a UK university and is studying towards one of the qualifications above. VitalityLife will also require evidence of the actual fees payable.

University Fees Benefit will be payable at the start of each university term.

The first benefit payment will be payable at the start of the University term immediately following the date of claim.

How much we will pay

At the start of each term, VitalityLife will pay an amount equal to the university fees due for each child listed in your plan schedule up to a maximum amount.

The maximum amount for the University Fees Benefit may change each year. The change will reflect our assessment of the change in the cost of university fees each year. The maximum amount for the first policy year is shown on your plan schedule. The maximum amount for subsequent policy years will be shown on your anniversary schedule.

Other covers and options

While VitalityLife is paying a claim for University Fees Benefit we will review the amount that we will pay each term for the coming university year on 1st September. The amount which VitalityLife will pay each term for the coming university year will be the lower of:

  • The actual amount of university fees payable in respect of the child for the coming university year,
  • The maximum amount of university fees payable in the previous year increased by the lower of :

Our assessment of the change in the cost of university fees for the coming year

12%

The last payment we will make for this benefit will be on the earlier of;

  • The child no longer being enrolled at a UK university
  • The child no longer studying towards a qualification listed above
  • The start of the university year immediately before their 25th birthday
  • The University Fees Benefit having been paid for five years
  • The death of the child

How much we will pay if a child does not attend a UK university

If one or more of the children listed in your plan schedule has completed their secondary education and attained the age of 18 but does not attend a registered UK university we will still pay the University Fees Benefit. The amount payable will be 33% of the maximum amount payable for the University Fees Benefit. The benefit will be paid for a maximum of three years.

If the child subsequently decides to attend a UK university we will reduce the University Fees Benefit by an amount equal to the benefit which we have previously paid.

How much we will pay if a child does not complete their university education

If the University Fees Benefit has been paid for more than three years then no further payments will be made.

If the University Fees Benefit has been paid for less than three years we will pay 33% of the maximum amount for the University Fees Benefit. This will be paid until a total of three years benefit has been paid (including the period where the child attended university) or until the child reaches the age of 25 if this is earlier.

School Expenses Benefit

The School Expenses Benefit provides a regular amount at the beginning of each school term to cover expenses associated with going to school (e.g. uniforms, stationery, textbooks and school trips).

When we will pay this benefit

We will pay the School Expenses Benefit if the person covered dies, or is diagnosed with a terminal illness. If you have selected Education Cover that also pays out on serious illness the benefits will be paid if you suffer from a serious illness that meets our definition of a severity A serious illness. Your claim also needs to meet other criteria. We set these out in provision C6.8.

The School Expenses Benefit will be paid at the start of each school term. The first benefit payment will be payable at the start of the school term immediately following the date of claim.

If your child has not yet reached the compulsory school age (as defined by the Education Act 1996) benefit payments will only begin once they reach this age.

How much we will pay

The amount that we will pay is shown on your plan schedule. This amount will increase at each plan anniversary in line with the Retail Prices Index rounded to the next 0.25%. Each increase is limited to a minimum of 0% and to a maximum of 10%. We use the RPI value five months before the start of the current school year. If the claim is in payment the benefit will continue to increase in line with RPI subject to a minimum of 0% and to a maximum of 10%.

When we will stop paying this benefit

The last payment we will make for this benefit will be on the earlier of;

  • The child no longer being enrolled at a primary or secondary school
  • The start of the school term immediately before their 19th birthday
  • The death of the child

Star Award Benefit

The Star Award Benefit provides an amount if your child excels in an extracurricular activity. If, while we are paying the School Expenses Benefit a child listed in your plan schedule is:

  • Selected for a national sports team
  • Achieves Grade 8 level in a musical instrument
  • Achieves a Gold Award in the Duke of Edinburgh Awards scheme
  • Achieves Gold level in the British Maths Olympiad

VitalityLife will pay an amount of £1,000.

The Star Award Benefit may be paid only once for each child listed in your plan schedule.

Before we will pay the Star Award Benefit we will require satisfactory evidence of the achievement.

School Absence Benefit

The School Absence Benefit provides an amount if your child is unable to attend school for an extended period of time due to illness or injury.

If, while we are paying the School Expenses Benefit a child listed in your plan schedule is either;

  • Hospitalised for a period of 10 consecutive days or more
  • Unable to attend their school for 20 consecutive full days due to illness

VitalityLife will pay an amount of £1,000.

VitalityLife will require written evidence that either of these events has occurred before we will pay this benefit.

The School Absence Benefit may be paid only once for each child listed in your plan schedule.

Vitality Plus

Vitality Plus provides the opportunity to earn additional points and rewards when you look after your health. Vitality Plus is provided by Vitality Corporate Services Limited and is separate from this plan and has its own terms and conditions

Sum assured in instalments - The sum assured is paid as a lump sum unless Family Income cover is selected

Large case discount available – A large case discount is available. This is considered on an individual case-by-case basis. Please refer to VitalityLife for details.

 

What is the total number of critical illnesses conditions covered by VitalityLife Essentials Comprehensive Cover?

VitalityLife declare 178 conditions covered. From Severity A (100% payout) to Severity G (5% payout)

 

What are the exclusions applicable to critical illness cover with VitalityLife Essentials Comprehensive Cover? 

Alcohol or drug abuse

Inappropriate use of alcohol or drugs, including but not limited to:

  • Drinking too much alcohol
  • Taking controlled drugs as defined by the Misuse of Drugs Act 1971, unless they are legally prescribed
  • Taking an overdose of drugs, whether legally prescribed or not

The following conditions are excluded for alcohol or drug abuse:

  • Cardiomyopathy secondary to alcohol or drug misuse
  • Coma secondary to alcohol or drug abuse
  • Neurological Diseases alcohol or drug abuse is excluded
  • Traumatic Brain injury secondary to alcohol or drug abuse
  • Severe Gastrointestinal Disease - requiring hospitalisation any hospitalisation relating to alcohol or drug misuse
  • Liver Transplant If, on the balance of probabilities, alcohol or drug abuse is a significant contributing factor as a cause of pancreatic disease necessitating a transplant, the claim will be declined.
  • Pancreas Transplant If, on the balance of probabilities, alcohol or drug abuse is a significant contributing factor as a cause of pancreatic disease necessitating a transplant, the claim will be declined.
  • Severe Cirrhosis of the Liver If, in the opinion of our Chief Medical Officer, alcohol or drug abuse is a significant contributing factor as a cause of severe cirrhosis of the liver, the claim will be declined.
  • Infective Endocarditis - Endocarditis as a result of drug misuse is not covered.
  • HIV infection resulting from any other means, including sexual activity or drug abuse
  • Intensive care for 10 days of continuous duration - Sickness or injury as a result of drug or alcohol intake or other self-inflicted means.

 

Would I be excluded from VitalityLife Essentials Comprehensive Cover if

  1. I worked in armed force - Membership of the armed forces is not excluded
  2. Had a pre-existing condition – No 

 

Are there Virtual GP Services for VitalityLife Essentials Comprehensive Cover?

No

 

Are there any claims support services for VitalityLife Essentials Comprehensive Cover?

No claims support services are available under the plan.

 

What can you get in terms of Health & wellbeing services with VitalityLife Essentials Comprehensive Cover?

Get a health check every year

One included on all Health plans. Just £10 with Life plans.

Get to know your health stats

To help you make informed decisions about your health and see the benefits physical activity can bring you can have an annual health check through our partner, roadtohealth.

A 30-minute Vitality Healthcheck measures your blood pressure; Body Mass Index; glucose and cholesterol levels. VitalityLife will also be asked to confirm your smoking status.

Having a Healthcheck earns you 240 Vitality points. VitalityLife will also give you another 60 points for each healthy result and 300 Vitality points for confirming you're a non-smoker. You can earn these points once every plan year.

If you have a Personal Healthcare plan, one adult on your plan can have one health check every plan year. All other adults will need to pay £15. If you have a Life plan, each adult on your plan can have one health check a year for £10.

Talk through your numbers with the Vitality GP

If you have a VitalityHealth plan and you want to follow up the results of your health check, you can also have a consultation with a Vitality GP . They'll let you know what your results mean and what you can do to improve them.

Save 50% on more in-depth health checks

For extra peace of mind, and if your Vitality GP recommends it, you can also get 50% off a range of more detailed checks with Bluecrest, BMI Healthcare and Nuffield Health. VitalityLife members can book a half-price health screen without a Vitality GP referral

Discount on a monthly gym membership with Virgin Active, selected Nuffield Health Fitness & Wellbeing Clubs and David Lloyd clubs with Vitality optimiser or Wellness Optimiser

 

How Vitality rewards you for being healthy

The healthy living programme helps the person covered improve their health and saves you money at the same time. It encourages them to be healthy by offering discounts with a range of health partners. They start on Bronze status. By taking steps to look after their health, they can increase their status to Silver, Gold or even Platinum. The higher their status the greater the discounts and rewards.

You can take out Vitality Plus, Vitality Optimiser or Wellness Optimiser at your plan's start date, or within three months of your plan's start date. Outside of this period, you cannot add Vitality Optimiser or Wellness Optimiser, and Vitality Plus can only be added at each anniversary of the plan. You are only eligible for Vitality Optimiser or Wellness Optimiser under this plan if you also have Vitality Plus or Vitality Lite. If you cancel Vitality Plus or Vitality Lite, we will remove Vitality Optimiser or Wellness Optimiser from your plan. If Vitality Optimiser or Wellness Optimiser are removed, your premiums will change.

If you have Vitality Lite and you remove Vitality Optimiser or Wellness Optimiser from your Plan, your Vitality Lite will also be removed.

If you have Vitality Plus and you remove Vitality Optimiser or Wellness Optimiser from your Plan, your Vitality Plus will remain in place, unless you cancel it separately.

Some Vitality rewards and benefits are only available to those who are over the age of 18. For more information about Vitality Plus and Vitality Lite, please see your separate terms and conditions for the healthy living programme.

 

The Vitality commitment

The healthy living programme gives you access to discounts and rewards for the duration of your plan. Because your plan could last many years, the discounts and rewards offered to you may need to be revised from time to time.

As new opportunities and technologies emerge, the way Vitality rewards you for being healthy will naturally change over time. The discounts and rewards Vitality offers depend on relationships with third-party providers and the range of services these providers offer.

Please refer to the separate terms and conditions for more information on the healthy living programme. This includes changes to the way we award Vitality points, the eligible activities, incentives and partners we offer, and how your Vitality status could change as a result. If you're not satisfied with the changes we make, you may cancel your plan.

 

To find out more about VitalityLife and our other Life insurance providers call us today on 0800 862 0373 or get a quote now

* Information about the VitalityLife Essentials Comprehensive Cover product is provided by Defaqto and is correct as of the review date stated