Vitality Health Insurance

but I read some reviews about them on TrustPilot last night and wasnt too impressed.

What exactly didn't impress you? (noting that insurance companies generally attract bad reviews as default and you really only know when they are good when they pay out - so many of the positive reviews will be pointless).

As an adviser myself, I believe that Vitality have over-complicated their product. Yes, it works really well with certain clientele but as mentioned above, only certain gym chains get the discounted membership, yes, you get discounted prices on certain products, but that's only worthwhile if you were going to buy them in the first place and a lot of these discounts aren't contractual so can be changed. In fact, the eligibility criteria for getting free cinema tickets became more stringent in the past.

In addition to this, a lot of the cheaper priced Vitality options are "optimised" which mean you get an up-front discount on the premium but it also means the premiums can increase year on year if you don't follow their healthy living programme or have an annual medical. The non-optimised premiums are often a lot higher than other insurers premiums so in effect you could argue that you are paying for the additional benefits in a round about way.

wjr4 wrote: »

I'm not a fan of the plans purely because the premiums are not guaranteed.

Some are!
It's just the ones that are normally most cost effective are the optimised ones - they actually ARE guaranteed premiums, but guaranteed in how they can change year on year depending on certain factors

Just be aware from early next year they are changing their rewards

https://www.vitality.co.uk/rewards/partners/active-rewards/cinema/

"Our Cineworld and Vue Active Reward is being updated

From early 2019, you’ll need to earn 12 activity points a week for two consecutive weeks to claim a cinema ticket.

If you have children on your plan, each adult will need to earn 12 points a week for two consecutive weeks to unlock child cinema tickets.

To give you more flexibility, your cinema ticket code will be valid for two weeks instead of expiring after a week.

If you join as an eligible Life or Invest member, the number of tickets you can claim during a plan year is capped at a maximum of 12 (single plan holder), 24 (2+ adults on the plan) or 36 tickets a year (family with 1+ children/adult dependents)."



Vitality

If you have a look at their twitter page there are a lot of people complaining as there are customers who used to be able to get a ticket a week and can now only get 1 a month.