Transcript VitalityHealth Launch - Protection calculator

1
Create convenient access
2
Incentivise the right behaviours
3
Integrate
Themes
1
Create convenient access
Themes
Incentivise the right behaviours
Integrate
THE
VITALITYHEALTH
INTEGRATED
MODEL
THE
VITALITYHEALTH
INTEGRATED
MODEL
THE
VITALITYHEALTH
INTEGRATED
MODEL
GPS –
GATEKEEPERS TO
HEALTHCARE
Target guaranteeing a GP
appointment within 48 hours
removed in 2010
NHS Direct closed in March
2014
GP’s are a trusted entry
point for healthcare
Accessing GP services
is getting harder
Sources of advice on health
matters
Patients waiting on average more
than 1 week for a non-urgent GP
appointment
Doctor
Family / friends
Online forums
Online experts
74%
95%
35%
56%
24%
16%
Online reviews
9%
Health magazines
8%
2014
Sources: nVision Research 2013 and Pulse 2014
2015
CONSUMER
DEMAND MORE
FROM GPS
Consumers desire more
choice and access
Health insurance is all
about access and choice
Percentage who would sign up
for an app or website that
helped them :
Key drivers of health insurance sales
coordinate with my
doctor's office
communicate with
my doctor's office
75%
70%
adhere to my
doctor's treatment
plan
65%
track my health
goals
62%
Sources: nVision Research 2013, Vitality Health
INTRODUCING
VITALITY GP
Expert advice on wellness and
illness
“Whether you want to find
out what you should do to
get healthier or want to
discuss a health issue before
making a claim, our Vitality
GPs can help. You can
speak to a Vitality GP faceto-face through video
consultations or over the
phone 24 hours a day”
!
available from
Q2 2015
MULTI-CHANNEL
HEALTHCARE
Service Attributes
Outputs
advice on health matters
24/7 access
GP HELPLINE
(reassurance &
advice)
+
Vitality lifestyle coaching
flexible appointment times
(including weekends & evenings)
online booking system
(ensuring appointment within 48 hrs)
choice of GP
(gender, availability, special interests,
10 years UK experience, CQC
accredited)
GP
(diagnosis & referral )
referral to physiotherapist &
surgical consultant
prescribe Vitality
order minor diagnostic tests
order prescriptions
schedule follow-up
appointment
authorise referral to
physiotherapist
medical underwriting
(via Priority Physio network)
secure upload of images
authorise referral to CBT
therapist
(can authorise treatments)
(e.g. for mole check)
secure sharing of records
review & rate facility
(member can review & rate
experience)
(via CBT network)
authorise referral to consultant
(Alliance Surgical, Oncologist &
medical consultant)
referral to NHS GP & A&E
THE COST OF
VITALITY GP
Actual Cost
Cost to
Member
GP
£25
(per consultation)
GP
FREE
EXAMPLE
SCENARIOS
1
I am seeking medical advice for me or a family
member
I have a mole / skin lesion
I will be travelling
Do I need a full medical screening ?
My child has a high temperature do I need to take them to A&E ?
I am ill
2
Can a Vitality GP treat me ?
Do I need to go to my NHS GP or A&E ?
Do I need a referral ?
I have already been diagnosed – Now what ?
3
4
5
What is your opinion ?
Can I see my named consultant?
Can you refer me for a second specialist opinion ?
I’ve a recurring problem – acute flare up
Can you treat me ?
Can you refer me ?
I have a chronic condition
Can you monitor me ?
Can you help me manage my condition ?
CASE STUDY 1
Reassurance is just a call
away
It’s the weekend and Nikki’s
son is sick. She doesn’t know
what to do. How serious is it?
The GP’s surgery isn’t open
and Nikki doesn’t know if she
should take him to hospital
Nikki phones the Vitality GP
who advise her on the best
course of action for her son
and whether or not they
need to go A&E.
CASE STUDY 2
The Vitality GP consultation
Liz’s arm has come up in a nasty
rash. It came on quite quickly and
it’s itchy and sore. She wants to
see a doctor quickly so they can
tell her what it is, but she can’t
take time off work at short notice.
With Vitality GP Liz is able to book
a video consultation with a GP at
a time that works for her. The GP
can see the extent of Liz’s rash by
video and through additional
photos Liz sends him, the GP can
assess the rash in more detail. The
GP then advises Liz on the best
course of treatment and whether
or not she should see a
dermatologist.
The Vitality GP consultation
CASE STUDY 3
The Vitality GP referral
Mark has sprained his ankle and
needs to see a GP. This is tricky
because when he phones his GP’s
surgery to book an appointment,
the only available ones that week
are in the middle of the day.
Mark’s busy at work then and
doesn’t have time to go during the
middle of the day
With Vitality GP Mark is able to
book a video consultation with a
GP within 48hrs and at a time
which suits him. The GP
recommends a course of
physiotherapy and is able to book
Mark’s first session for the next day
at a clinic near his work.
PRESCRIPTIONS
AND TESTS
prescription
fulfilled by
LloydsPharmacy
Tests and scans
Tests / scans
Average
cost
Full blood count
£78
Liver function profile
£98
Urea and electrolytes
£78
X-ray
£109
Chest X-ray
£101
prescribes
medication
recommend
s minor tests
pick up from
local
LloydsPharmacy
or
home delivery
PRIMARY CARE
BENEFIT
£100
(per
year)
full blood count, urea and electrolytes, urine for culture
and sensitivity, ultrasound scans or plain X-rays
Private prescriptions
Prescription
Average cost
Amoxicillin
£8.15
Part of Core Cover
No impact on No-Claims Discount
Not subject to excess deduction
CASE STUDY 4
The Vitality GP prescription
It’s 8am and Tom has just had a
video consultation with the Vitality
GP before going to work. The GP
has written him a prescription.
Normally Tom would take his
prescription into a pharmacy in his
lunch break and wait while they
put together the prescription – this
normally takes a while as the
pharmacy is always busy at
lunchtime
Through its partnership with
LloydsPharmacy, Vitality GP sends
Tom’s prescription straight to
LloydsPharmacy who prepare
Tom’s prescription for him to pick
up during his lunch break
KEY MESSAGES
Clients
Employers
Convenience
Reduce
Coordinated Care
Reward
Prescribe Wellness
Remind
24/7 access to primary care,
including payment for minor
diagnostics and private
prescriptions
a single point of referral and
navigation for your treatment to
ensure the best member
experience and most
appropriate clinical pathway
a unique ability to combine
clinical pathways with wellness
interventions to achieve the
best health outcomes
employee time off work due to
time needed to see GP, and
minor illness
employees with a truly unique,
relevant and highly valued new
benefit
employees of your commitment
to helping them manage and
improve their health and
wellbeing
TREATMENT
1.Increasingly hard to contact
2.Little or no knowledge of consultant quality and
charging patterns
3.Little or no knowledge of networks and services
available through health insurers
Who is best to advise ?
NHS GP
Information asymmetry in the
independent healthcare
system means that
healthcare consumers have
little or no informed choice
Customer
1.Limited clinical and claims information
2.Limited consultant & provider
information
3.Size disadvantage for negotiation
Health Insurer
1.Access to clinical and claims information
2.Access to consultant and provider information
3.Size advantage for negotiation
Consultant
WITH SERVICE
INTEGRATION
COMES VALUE
FOR ALL
Member has immediate
access to an integrated
healthcare system
Quality assured medical access
for member
Members able to choose GP
according to their selection
criteria
Members able to rate GP
according to overall
experience
Insurer is able to deliver
greater customer and partner
value while still achieving cost
efficiencies
GP
Real time access to consultants’ &
therapists’ profiles
Continuous feedback loop
between insurers and providers
ensuring quality of referrals and
outcomes
feedback loop
GP panel delivers
clinically appropriate
primary care & wellness
services and enabled to
authorise onward
referral for treatment
Real time access to consultant
and therapists’ diaries
Consultants empowered to make
treatment recommendations
according to clinical appropriateness
and not member’s chosen hospital list
GP SELECT
Member books video
consultation with Vitality
GP
consultant refers
member to most
appropriate
facility for
treating the
presenting
condition
Vitality GP
can authorise
further
treatment
and referrals
GP
GP
A&E
prescriptions
cognitive
behavioural
therapy
minor
tests
physiotherapy
direct referral to
consultants
PRICING
-15%
-10%
BASE
33%
GP SELECT
LOCAL
COUNTRYWIDE
COUNTRYWIDE
PLUS
Pricing is indicative only, and correct as at November 2014
( up to)
!
available from
Q2 2015
KEY MESSAGES
Empowers
Removes
Facilitates
Allows
GP to make decisions together
with the patient without the
influence of the insurance
company and without the
restriction of a defined hospital
list
access to clinicians with
expertise relevant to your
condition at the earliest
opportunity
unnecessary utilisation in the
system by eliminating repeat
consultations and diagnostics
us to pass on efficiency savings
to the member, consistent with
our shared-value insurance
model
OUT-PATIENT
COVER
Vitality Health continues to
offer the most out-patient
options in the market
Priority Physio claims DO NOT
count towards the overall
out-patient limit
Priority Physio Network
provides access to over
1,400 physiotherapy clinics
nationwide
Old approach to
covering high cost
scans
Out-patient Cover
Core cover
MRI/CT/PET Scans
New Out-patient cover

1. Including high cost scans in
Core Cover inflates the cost
of Core
2. Requirement for consultant
referral for scans means its
counter intuitive to offer this
cover without
accompanying Out-patient
Cover
3. 93% of new business clients
opt for Out-patient Cover
MRI/CT/PET Scans

In-network physiotherapy

Consultations

Diagnostic tests

Out of network
physiotherapy
£35
per
session
no impact
on outpatient
limit
up to
chosen outpatient
limits with
option to
fully cover
consultant
referred
diagnostic
tests
MRI/CT/PET Scans are only covered when an out-patient option has
been selected
new benefits
!
available from
Q2 2015
WHAT DRIVES
HOSPITAL
CHOICE?
Location most likely to
influence hospital
choice
Most important reasons for
choosing private hospital
Gegraphic location
On average patients
are willing to travel for
30 mins
Willingness to travel to private
hospital (average travel time in
minutes)
48%
35
32
Previous experience
36%
31
25
Waiting times for
appointments
Comfort and quality
of accommodation
36%
33%
Whether insurance
covers cost
32%
Consultant
recommendation
32%
Sources: Competition Commission / GFK 2012)
Average
London
Urban
Rural
HOSPITAL LISTS
Hospital of St John and St
Elizabeth added to
Countrywide Hospital List at
no additional cost
Premier Hospital List renamed
as Countrywide Plus
!
available from
Q2 2015
33%
-10%
BASE PREMIUM
Local
Countrywide
Countrywide Plus
70%+
95%
100%
67%+
88%
100%
(up to)
National
Central
London
main independent
acute hospitals
main independent
acute hospital beds
Sources: Laing & Buisson 2014
LONDON
HOSPITALS
London consultants tend to
only work out of 1 hospital
Average number of hospital
‘
specialists
have admitting rights to
London
Out of London
3
2
Myth busting
67% of SME and corporate
customers on the
Countrywide Plus coverage
live within 2 miles of a
Countrywide List hospital
over fifty percent of
consultants with admitting
rights to Countrywide Plus
hospitals also have
admitting rights to
Countrywide List hospitals
You have to have
Countrywide Plus coverage
to get ‘Premier’ consultants’
Vitality Health customer satisfaction scores with hospital
In 71% of cases, the nearest
Countrywide List hospital is
also the nearest Countrywide
Plus Hospital
9.22
8.11
You have to have
Countrywide Plus to get the
best care and service
Sources: Competition Commission / GFK 2012) & VitalityHealth data 2014
ABILITY TO MEET
CUSTOMER
NEEDS
Looking at the top 15
conditions we most
commonly pay for in
London, between them all 3
Central London Countrywide
hospitals treat these
conditions
Malignant neoplasm, breast



Low back pain, site unspecified



Malignant neoplasm, colon,

Malignant neoplasm of ovary


Malignant neoplasm of prostate



Malignant neoplasm, bronchus or lung,
unspecific

- Other and unspecified abdominal pain



Senile cataract, unspecified



impacted teeth



Pain in joint, lower leg



Unilateral or unspecified inguinal hernia



Intervertebral disc disorder



Injury to multiple structures of knee



Haemorrhage of anus and rectum



Atrial fibrillation and flutter

Sources: Vitality Health data 2014

KEY MESSAGES
Outside Central London
Where Central London hospital
coverage is not required we
believe that in the majority of
cases the Local Hospital List
offers sufficient coverage with
access to high quality facilities
and consultants
Central London
Where Central London hospital
coverage is required we believe
that in the majority of cases
the Countrywide List offers
sufficient coverage with access
to high quality facilities and
consultants
CANCER
Concerns about NHS
cancer provision prevail
Health insurance offers
reassurance in terms of cover
Typical cancer benefits
Quick diagnosis

Rapid referral

Prompt hospital treatment

Radiotherapy

Chemotherapy

Drugs/treatments not covered by NHS

Latest technology e.g. Cyber Knife

Treatment at home

HIDDEN COSTS
OF CANCER
Full Cancer module
renamed Enhanced Cancer
Cover module but remains
default module for quotes
New benefits added to
Enhanced Cancer Cover
module
Monthly
Cost
Annualised
Cost
New cancer
benefits
Wigs hairpieces and head coverings
£23
£276
£300
Fabric supports e.g. Mastectomy bras
£14
£168
£200
Scalp cold capping
£50
£200
Covered
Additional services
Average Duration
Additional services
Speech therapy
End of life home nursing care
6 sessions
6 sessions
6 sessions
12 – 14 days
14 days
14 days
available on new
Enhanced Cancer
Cover module
Sources: Macmillan – Cancer’s Hidden Price Tag. Public Health England - What We Know 2013
OUR CANCER
OPTIONS
Diagnostics
Surgery
Oncology
Cancer Cover
Enhanced
Cancer Cover
Consultations


Investigations


Surgery


Reconstructive surgery


Stem / bone marrow transplants


Radiotherapy


Chemotherapy


Chemotherapy at home / work


12 months

full cover if combined with
chemotherapy & up to 3
months if used on their own

Cash benefits


Dedicated nursing support


Assistance at home


5 years
no time limit
End of life care (pain relief)


Hospice donation


Biological therapies
Bisphosphonates
Hormone therapies
Follow-up consultations
Support
!
End of life home nursing care
available from
Q2 2015

2 weeks
Wigs hairpieces and head coverings
£300
Fabric supports e.g. Mastectomy bras
£200
Scalp cold capping
Speech therapy

6 sessions
Create convenient access
Themes
2
Incentivise the right behaviours
Integrate
BROAD
RECOGNITION OF
NEED TO INVEST IN
HEALTHY
BEHAVIOUR
‘If the nation fails to get serious
about prevention then recent
progress in healthy life
expectancies will stall, health
inequalities will widen and our
ability to fund beneficial new
treatments will be crowded-out by
the need to spend billions of
pounds on wholly avoidable illness’
NHS – Five Year Forward View
‘ There would be merit in extending incentives for employers in
England who provide effective NICE recommended workplace
health programmes for employees ‘ - NHS – Five Year Forward View ‘
INCENTIVES HAVE
SUCCESSFULLY
ENCOURAGED
GREATER
AWARENESS OF
HEALTH
Average Vitality Age
completions per quarter
Average Vitality
HealthChecks per quarter
Removed
HealthCheck
fee
x3
Weekly
movies
2012
x10
nonsmoker’s
cashback
2013
2014
2011
2012
Removal of Healthcheck fee applied to VitalityHealth members only
2013
Q1
2014
Q2
2014
Q3
2014
UNDERSTANDING
HEALTH GETS
EASIER AND
CHEAPER
Bluecrest offers health
screening services out of 1,732
locations nationwide
Entry level
Vitality Prevention Plus
£50
Lifestyle Health
Assessment
£122 BMI Essential
£84
Vitality Active
£64
Female Health
Assessment
£154 BMI Select
£162
Vitality Core
£85
Vitality Executive
£125
360 Health
Assessment
£257 BMI Advanced
£246
360+ Health
Assessment
£341 BMI Advanced Plus
£329
Mid-range
Discount of 50% applied to all
health screenings
Comprehensive
Prices include 50% Vitality Discount and are rounded up to the nearest £1 for illustrative purposes
GREATER INSIGHT
INTO THE RISK
PROFILES AND
NEEDS OF OUR
MEMBERS
Distribution of Vitality Age Gap
Vitality Age and
HealthCheck data gives
us a unique ability to
segment our members
and tailor interventions
based on individual
need
15%
16%
% of members
15%
<=0
1
2
13%
3
11%
4
9%
5
6%
6
7%
5%
7
VITALITY AGE – ACTUAL AGE
Based on analysis by Vitality
3%
8
>=9
HIGH-RISK
MEMBERS NEED
TO GET CONTROL
OF THEIR RISKS
AND CONDITIONS
Distribution of Vitality Age Gap
The least healthy 15% of
members have an
average
of 3.1 risk factors
compared to an overall
average of 1.8
% of members
15%
<=0
15%
16%
1
2
13%
3
11%
4
9%
5
6%
6
7%
5%
7
VITALITY AGE – ACTUAL AGE
Based on analysis by Vitality
3%
8
>=9
AT-RISK MEMBERS
REQUIRE A
REGULAR ROUTINE
OF ACTIVITY AND
WELLNESS
Distribution of Vitality Age Gap
66% of these members
are out of range for
each of physical activity
and nutrition
15%
16%
% of members
15%
<=0
1
2
13%
3
11%
4
9%
5
6%
6
7%
5%
7
VITALITY AGE – ACTUAL AGE
Based on analysis by Vitality
3%
8
>=9
SUSTAINED DAILY
ACTIVITY CAN
DRAMATICALLY
IMPROVE LONGTERM HEALTH
Running
Walking
Compared with inactive people, those who run/walk for 15
minutes a day have a 14% lower mortality risk, and a 3 year
longer life expectancy
Source: “Minimum amount of physical activity for reduced mortality and extended life expectancy: a prospective
cohort study”, Chi Pang Wen, Jackson Pui Man Wai, et al
EMBEDDING DAILY
ROUTINES WITH
REGULAR,
MODERATE
ACTIVITY IS KEY TO
INCREASING
OVERALL
PHYSICAL ACTIVITY
Relatively simple exercise
behaviours (e.g. walking,
cycling) may more easily
become habitual than
behaviours that are rather
complex (e.g. attending an
organized fitness
program)...
Source: “Physical exercise habit: on the conceptualization and formation of habitual health
behaviours”, Henk Aarts, Theo Paulussen and Herman Schaalma
INCENTIVES CAN
HELP CREATE NEW
ROUTINES, BUT WE
NEED TO MAKE IT
SUSTAINABLE
Engagement in healthy activities
by movie goers relative to non
movie goers:
(Cohort: Members registered between Oct 2012
and Mar 2013)
90%
80%
16.8x
14.1x
44% usage
after 6 months
70%
60%
50%
8.2x
Vitality members
40%
30%
20%
Screening and
preventative care
Online activity
Based on new business 2013
Non-Vitality members
24% usage
after 6 months
10%
Gym
Our experience with the
cinema benefits have
shown the effectiveness
of rewards in increasing
healthy behaviours
Ongoing pedometer usage
0%
0
2
4
6
8
10 12 14 16 18 20
Membership Month
Based on analysis by Vitality
WEARABLE
DEVICES TOGETHER
WITH INCENTIVES
GIVE US A UNIQUE
ABILITY TO DRIVE
SUSTAINED
ENGAGEMENT
More than one million wearables are
expected to be sold this Christmas
Analysts are heralding 2014 as the year
the wearable finally fully breaks into
mainstream consciousness
MAKING IT
EASIER TO TRACK
ACTIVITY AND
GET ACTIVE
Moves:
Now you can link more
activity devices and
earn Vitality points with
free mobile app Moves
Free App for iPhone & Android
MAKING IT
CHEAPER TO
TRACK ACTIVITY
50% off selected Garmin
activity tracking devices
Includes Garmin Swim, so
now swimmers can be
rewarded too
One of the largest producers
of activity trackers in the
market
Each adult member can earn 50% off either a Garmin or
Polar device during the lifetime of their plan
Active Rewards
REWARDING
ACTIVITY
THROUGH A NEW
REWARDS
CATEGORY
How it works:
WEEKLY REWARDS
We have been inspired
by the success of the
cinema benefit in
increasing Vitality Age
completion; can we
now use it to motivate
regular physical
activity?
9 points unlock a weekly reward
1 movie AND 1 drink per week
MONTHLY REWARDS
40 points unlock a monthly reward
Minimum of 1 song per month
INTRODUCING
FREE PASS FOR
VITALITY GOLD
AND PLATINUM
MEMBERS
 To recognise the efforts of our Vitality Gold
and Platinum members, we are giving these
members immediate and ongoing access to
Active Rewards, regardless of their weekly
and monthly points earning
REGULAR
ENGAGERS NEED
SUPPORT TO
SUSTAIN
ENGAGEMENT
Distribution of Vitality Age Gap
The challenge is to keep
these members
engaged in their health
on an on-going basis
15%
16%
% of members
15%
<=0
1
2
13%
3
11%
4
9%
5
6%
6
7%
5%
7
VITALITY AGE – ACTUAL AGE
3%
8
>=9
STATUS REWARDS
Rewarding ongoing
engagement for the
attainment of health
goals
Maximum cashback:
Bronze
Silver
Gold
Platinum
10%
20%
40%
50%
£250
£300
£400
£500
£50
£75
£100
£125
25%
30%
35%
40%
Maximum cashback:
Subject to terms and conditions
CHANGING THE
VITALITY POINTS
STRUCTURE TO
ALLOW EASIER
PROGRESSION
FOR FAMILIES
Single
800
0
1,600
2,400
Unchanged
Reduced Status Requirements
Couple
0
1,600
3,200
4,800
Couple and family
3,600
2,400
1,200
Family1
7,200
4,800
2,400
0
0
1 - Couple with 18+ Dependant , 2 – Available from Q2 2015 for new business and renewal
CASE STUDY COUPLE WHO
BOTH WALK 7,000
STEPS A DAY
Time taken to reach Silver:
Before: Silver status = 1,600pts
It took 267 days for them to reach Silver:
They get to Silver over 2
months earlier
Making moderate
engagement more
achievable for couples
and families
Now: Silver status = 1,200pts
It takes 200 days for them to reach Silver:
CASE STUDY –
RECOGNISING
AND DRIVING
MORE
ENGAGEMENT
Our new approach is
designed to help get less
active partners
engaged, so couples
and families can enjoy
more rewards
Wife goes to gym 3 times a week, but husband is unengaged:
Old thresholds:
New thresholds:
Before wife’s effort was
not recognised:
Now her effort is
appropriately recognised:
1800
1800
1800
1600
1600
1600
1400
1400
1400
1200
1200
1200
1000
1000
1000
800
800
800
600
600
600
400
400
400
200
200
200
0
0
Wife
Couples joint status:
If husband walks 7,000 steps
a day they can get to Gold:
Husband
Bronze status
0
Wife
Husband
Silver status
Wife
Husband
Gold status
ANNOUNCING
AN EXCITING
NEW STATUS
REWARD
PARTNER
Up to 40% off return
flights including taxes
and charges, to more
than 70 destinations
within UK and Europe
Domestic
European
WORKINGS OF
THE BRITISH
AIRWAYS
BENEFIT
Number of return
flights per life per
annum
Vitality Status
Discount off
total fare*
Bronze
5%
1
Silver
20%
1
Gold
30%
2
Platinum
40%
2
Number of flights per annum applies to each life named on the plan
The discount applies to return economy flights and is subject to a minimum stay depending on
the day of departure.
2 nights stay needed for Sun to Thurs departures, and 1 night overnight stay needed for Fri and
Sat departures.
SUMMARY OF
PARTNER
CHANGES
Our new partners
Our new partners will become
available for new business from
end of January 2015
Withdrawals
New business: These partners will no
longer be available for new business
from 1 January 2015:
We are removing some
of our less used
partners to make way
for even more partners
Existing business:
Bookings for Mark Warner and Merlin
are available up to renewal after 1
Feb 2015.
Ticketmaster and buymobile.net are
available for new contracts and
activations up to 1 Feb 2015. Existing
phone contracts will be honoured
until the end of their term.
.
Create convenient access
Themes
Incentivise the right behaviours
3
Integrate
STATUS LINKED
EXCESS
ADDITION
Reduced excess
for low status
employees
Vitality
STATUS
A non-discriminate way of
sharing cost with employees
and driving engagement
£250
Max
£150
Max
£250
£150
£100
£100
£0
£50
£0
£0
ENHANCED
PERSONAL
HEALTH FUND
Vitality
STATUS
Service
average cost of a private
sight test
£78
average cost of a private
dental check-up
£30-£60
Bluecrest Vitality Executive
Screening
£125*
Annual cost of a chronic
prescription card
£104
Garmen Vívofit
£44.50*
Omron Elite Blood Pressure
Monitor
£102.95
Betterlife Digital Tens Unit
* Includes Vitality
discount
£25
Annual
Contribution
£75
£125
£175
£225
+
50% towards indicator
measurement devices/products,
including blood pressure cuffs,
cholesterol and blood glucose
testing kits etc.
50% towards medical aids,
including hearing aids, tens
machines, first aid kits, dressings
and medication
INTELLIGENT
INCENTIVES CAN
CUT COSTS AND
DELIVER
GREATER VALUE
TO EMPLOYEES
Status Linked Excess
Personal Health Fund
Non-smoker’s Cashback
£225
£150
£150
£175
£100
£120
£90
£125
£50
£75
£60
IN SUMMARY
GP embedded in
our product
Launch of new
product
Introduction of
Active Rewards
Powering our Status
Rewards
INTRODUCING
VITALITY
INSIGHTS
Reports & articles
Case studies
Regular insights, research
and case studies showing
the value of Vitality’s shared
value approach
visit vitalityinsights.co.uk