Vitality Income Protection (2026) Complete Guide to Cover, Rewards, Exclusions & Claims

An in-depth guide to Vitality income protection – how the product works, underwriting, exclusions, benefit structure, optional features and claims journey

Protecting your income is one of the most critical financial decisions you will ever make. Your ability to earn is your most valuable asset, funding everything from your mortgage and bills to your family's future aspirations. Yet, what would happen if illness or injury suddenly stopped you from working?

For many in the UK, the safety net is smaller than they imagine. Statutory Sick Pay (SSP) provides only a basic level of support, and savings can be depleted with alarming speed. This is where income protection insurance provides a vital lifeline.

Among the leading providers in the UK market, Vitality stands out with a unique proposition. It doesn't just provide a financial payout when you're unwell; it actively rewards you for staying healthy. This 'shared value' model has revolutionised the protection landscape, but is it the right choice for you?

This definitive guide will explore every facet of Vitality Income Protection. As expert protection advisers, we at WeCovr will break down the cover, benefits, rewards, and crucial small print, giving you the clarity needed to make an informed decision. We'll delve into how the product works, who it's best for, the claims process, and how it compares to other options on the market.

What is Income Protection and Why is it Essential?

Income Protection is a type of insurance policy designed to replace a significant portion of your lost earnings if you are unable to work due to illness or injury. It pays out a regular, tax-free monthly income until you can return to work, your policy term ends, or you retire, whichever comes first.

It's a common misconception to think "it won't happen to me." The reality is that the risk of being unable to work for a prolonged period is higher than many believe.

Consider these facts:

• According to the Office for National Statistics (ONS), over 2.8 million people were economically inactive due to long-term sickness in late 2023, a record high.
• The financial support provided by the state is minimal. Statutory Sick Pay (SSP) in 2025/26 is just over £116 per week, and it only lasts for 28 weeks.

Many people overestimate the support they would receive from their employer or the state. Let's compare the reality of SSP with a typical income protection plan.

As the table shows, relying solely on SSP is a high-risk strategy that could lead to significant financial hardship. Income protection bridges this gap, providing a secure and substantial income stream when you need it most.

Understanding the Vitality Difference: The 'Shared Value' Model

Vitality's approach to insurance is fundamentally different from that of traditional providers. Their entire philosophy is built on a concept called 'Shared Value Insurance'.

The core idea is simple: By encouraging and rewarding you for living a healthier lifestyle, you are less likely to fall ill and make a claim. This reduction in risk creates a 'value' that Vitality shares back with you in the form of lower premiums and tangible rewards.

How does it work in practice?

1. Engage: You use wearable tech (like a fitness tracker) and partner apps to track your physical activity, from daily steps to gym workouts. You also complete online health reviews and attend health checks.
2. Earn Points: Every eligible healthy activity earns you Vitality Points. For example, walking 12,500 steps a day, completing a workout, or having a health screening all contribute to your points total.
3. Improve Status: As you accumulate points, your Vitality Status improves, moving from Bronze through Silver and Gold to Platinum.
4. Get Rewarded: Your status directly impacts your insurance premiums. The higher your status, the greater the discount on your monthly payments. You also unlock a host of other lifestyle rewards, such as weekly cinema tickets and discounted gym memberships.

This model transforms insurance from a passive product you buy and forget about into an active, engaging part of your daily life. It creates a positive feedback loop: the healthier you are, the less you pay, and the more you're rewarded.

This proactive approach to health management aligns perfectly with our ethos at WeCovr. As part of our commitment to our clients' well-being, we provide complimentary access to our AI-powered nutrition app, CalorieHero, which can help you make healthier food choices and earn even more Vitality points.

Vitality Income Protection: Core Product Features Explained

When you set up a Vitality Income Protection policy, you will need to make several key decisions that define your cover. Understanding these elements is crucial to building a policy that truly meets your needs.

1. Cover Amount (Monthly Benefit)

This is the tax-free monthly sum you will receive if you make a successful claim.

• How much? You can typically cover up to 60% of your gross (pre-tax) annual income, up to a certain limit (e.g., the first £60,000 of earnings) and a lower percentage thereafter.
• Why the cap? Insurers cap the benefit below 100% of your income to provide a financial incentive to return to work when you are medically able to do so. It also accounts for the fact that the benefit is tax-free, whereas your salary is not.

2. Deferred Period (Waiting Period)

The deferred period is the length of time you must be off work due to illness or injury before the policy starts paying out.

• Vitality's Options: You can typically choose a deferred period of 4, 8, 13, 26, or 52 weeks.
• How to Choose: Your choice should be based on two factors:
  • Employer Sick Pay: How long would your employer continue to pay you? If you get 3 months of full pay, a 13-week (3-month) deferred period would be logical.
  • Savings: How long could your savings support you? If you have substantial savings, you might opt for a longer deferred period.
• Adviser Tip: A longer deferred period will significantly reduce your monthly premiums. The most common choices are 13 and 26 weeks.

3. Policy Term (Cease Age)

This is the age at which your policy will end. You will be covered for any illness or injury that occurs up until this age.

• Options: You can typically set your cease age to be anywhere between 50 and 70.
• How to Choose: Most people align their policy term with their expected retirement age. Protecting your income up to age 65 or 68 is common.

4. Premium Types

Vitality offers different ways for your premiums to be structured.

• Guaranteed Premiums: The premium is fixed at the start of the policy and will not change throughout the term, unless you choose to increase your cover. This provides certainty and is often recommended.
• Reviewable Premiums: Vitality does not typically offer traditional 'reviewable' premiums on its core protection products, which can be changed based on the insurer's general claims experience.
• Age-Banded Premiums: This is a common structure for Vitality. Your premium is calculated based on your age and will increase each year on the policy anniversary by a pre-determined, transparent amount. While it starts cheaper than a guaranteed premium, it will become more expensive over time. The 'Active Rewards' feature can help offset these annual increases if you stay healthy.

5. Indexation (Inflation Protection)

Over a long period, inflation can erode the real value of your chosen cover amount. A £2,000 monthly benefit today will buy far less in 20 years' time.

• What it is: Index-linking, or inflation protection, increases your cover amount each year in line with inflation (typically the Retail Prices Index or Consumer Prices Index).
• How it works: Your benefit amount and your premium will both increase annually. You have the option to decline the increase if you wish.
• Is it worth it? For any long-term policy, indexation is highly recommended to ensure your cover remains meaningful for the entire policy term.

Defining Incapacity: How Vitality Assesses a Claim

This is arguably the most important detail in any income protection policy. The 'definition of incapacity' determines the specific circumstances under which the insurer will agree that you are unable to work and therefore approve your claim.

There are three main definitions used in the UK market:

Vitality's Definition:

For the vast majority of occupations, Vitality uses the superior 'Own Occupation' definition of incapacity. This is a significant mark of quality and provides the most comprehensive and clear-cut protection. It means if you are a surgeon and suffer a hand injury that prevents you from performing surgery, you would be able to claim, even if you were still able to do other work, such as teaching or administrative tasks.

An 'Own Occupation' definition ensures your policy protects your specific career and the income that comes with it. When comparing providers, always check which definition of incapacity they are offering for your job role.

Deep Dive into Vitality's Income Protection Options

Vitality offers a flexible range of income protection products to suit different needs and budgets.

Primary Income Protection

This is Vitality's flagship product, offering long-term, comprehensive cover.

• What it is: A full-term policy that pays out a monthly benefit if you're unable to work due to illness or injury.
• Claim Period: The benefit is paid until you recover, the policy term ends (e.g., at age 65), or you pass away, whichever happens first. There is no limit on the length of a single claim.
• Who it's for: Anyone seeking the most robust and secure form of income protection. It's the gold standard for professionals, the self-employed, and anyone who wants peace of mind that their income is protected right up to retirement.

Short-Term Income Protection (also known as Personal Sick Pay)

This is a more budget-friendly alternative to full income protection.

• What it is: A policy that provides cover with a limited payment period per claim.
• Claim Period: Vitality typically offers options for a 1-year or 2-year payment period. This means for any single claim, the policy will pay out for a maximum of 12 or 24 months. After that, the payments stop, even if you are still unable to work.
• Who it's for:
  • Those on a tighter budget who cannot afford full-term cover.
  • Younger individuals who want a basic level of cover in place.
  • Employees with generous employer benefits (e.g., an employer who might offer ill-health retirement after 2 years of sickness).
• Real-Life Scenario: A 28-year-old freelance marketing consultant wants protection but is managing cash flow carefully. They choose a short-term policy with a 2-year payment period. They are later diagnosed with a condition requiring 18 months of intensive treatment and recovery. The policy pays them a monthly income for the full 18 months, allowing them to focus on getting better without financial stress.

Optional Features and Built-in Benefits

Vitality includes several valuable features to enhance their cover:

• Waiver of Premium: This is included as standard. If you make a claim, Vitality will 'waive' (pay) your policy premiums for you while you are receiving benefits. This ensures your cover remains in force at no cost to you during a period of incapacity.
• Earnings Guarantee: This is a crucial feature. If your salary decreases after you've taken out the policy (e.g., you switch to part-time work), Vitality guarantees to not reduce your benefit level below a certain amount (e.g. £1,500 per month) or the amount of cover you had at inception, provided you were working a minimum number of hours per week when you became incapacitated. This protects you from having your benefit slashed if your income falls unexpectedly.
• Fracture Cover & Hospital Benefit: Depending on the plan chosen, you can add optional benefits that provide a one-off lump sum for specific fractures or a daily cash benefit if you are admitted to hospital.

For Business Owners, Directors, and the Self-Employed

Income protection is not just for employees. In fact, it's arguably more critical for those who run their own businesses or work for themselves, as the state safety net is even more limited.

Self-Employed and Freelancers

If you are self-employed, you have no employer sick pay to fall back on. From day one of being unable to work, your income stops.

• Why IP is Crucial: Income protection is the direct equivalent of sick pay for the self-employed. It provides the financial stability needed to keep your personal finances afloat while you recover.
• Proving Income: When you apply or claim, Vitality will need to see proof of your earnings. For a sole trader, this is typically your net profit. For a limited company director, it's usually your salary plus dividends.
• Adviser Tip: Meticulous record-keeping is essential. Keeping your accounts up-to-date will make the application and any potential claim process much smoother.

Company Directors: Executive Income Protection

For directors of limited companies, there is a highly tax-efficient way to arrange cover: Executive Income Protection.

• What it is: A policy that is owned and paid for by the director's limited company, but which is designed to protect the director's personal income.
• How it works:
  1. The company pays the monthly premiums.
  2. If the director is unable to work, Vitality pays the monthly benefit to the company.
  3. The company then forwards this money to the director through the normal PAYE payroll system.
• Tax Implications: This is the key advantage.
  • Premiums: The premiums paid by the business are typically treated as an allowable business expense, meaning they can be offset against the company's corporation tax bill.
  • Benefits: The benefit received by the director is treated as trading income for the business and then as employment income for the director, and is therefore subject to Income Tax and National Insurance.

Let's compare this with a personal plan.

Executive Income Protection is an excellent benefit for key directors and a tax-efficient way for a business to protect its most important people.

The Vitality Programme: Rewards and Premium Discounts in Detail

The main draw for many choosing Vitality is the potential to significantly reduce the cost of their insurance through healthy living.

Earning Points and Status

You earn points for a wide range of activities that Vitality tracks through linked fitness devices and apps. These include:

• Physical Activity: Steps per day, heart-rate-monitored workouts, gym visits.
• Health Checks: Vitality Healthchecks, blood pressure checks, cholesterol tests.
• Nutrition: Tracking your diet with partner apps like our own CalorieHero.
• Mindfulness: Completing sessions on mindfulness apps.

Your points total determines your status: Bronze (0 points), Silver (800 points), Gold (1,600 points), and Platinum (2,400 points).

The Impact on Premiums

Your Vitality Status directly translates into discounts on your premiums. This is not a one-off discount; it's an ongoing reward that can reduce your payments every single month.

Here's an illustrative example of how the 'Active Rewards' can work for an age-banded premium:

Disclaimer: This is for illustrative purposes only. Actual premiums and discounts depend on individual circumstances, cover amount, and policy terms.

As you can see, actively engaging with the programme can lead to substantial savings, making comprehensive cover far more affordable.

Lifestyle Rewards

On top of the premium discounts, you also gain access to a well-known suite of rewards, such as:

• Weekly coffee or cinema tickets.
• Significant discounts on gym memberships (e.g., Virgin Active, Nuffield Health).
• The popular Apple Watch offer, where you can get a new Apple Watch for a small upfront fee and pay off the balance by staying active.

The Right Perspective: While these perks are attractive, it's vital to see them as a bonus, not the main reason for choosing the policy. The primary goal is securing robust income protection. The rewards are the incentive mechanism that helps you stay healthy and lower the long-term cost of that essential cover.

Underwriting and Exclusions: What Won't Vitality Cover?

Before Vitality (or any insurer) offers you cover, they need to assess the level of risk you present. This process is called underwriting.

The Underwriting Process

1. Application: You will complete a detailed application form covering your health, lifestyle (including alcohol consumption and smoking), occupation, and any hazardous activities.
2. Full Disclosure: It is absolutely essential that you answer every question truthfully and completely. Hiding a medical condition or past-time is known as 'non-disclosure' and can lead to your policy being declared void and any claim being rejected.
3. Further Evidence: In some cases, Vitality may request more information. This could involve writing to your GP for a medical report (a GPR) or asking you to attend a medical screening.

Common General Exclusions

All income protection policies have standard exclusions. You will typically not be covered for illnesses or injuries that arise from:

• Drug or alcohol misuse.
• Self-inflicted injuries.
• Involvement in criminal acts.
• War, invasion, or acts of terrorism.
• Normal, uncomplicated pregnancy and childbirth.

How Pre-existing Conditions are Handled

If you have a pre-existing medical condition, Vitality will assess it on a case-by-case basis. They have several potential outcomes:

1. Offer Standard Terms: If the condition is minor and well-controlled, they may offer you cover at the standard price with no restrictions.
2. Apply an Exclusion: They might offer you cover but place an exclusion on your policy. For example, if you have a history of back pain, they may exclude any claims related to spinal conditions.
3. Increase the Premium ('Loading'): For conditions that present a higher risk, they may increase your monthly premium by a certain percentage.
4. Decline Cover: In rare cases, if the condition is particularly severe or unpredictable, they may be unable to offer cover.

This is where using an expert broker like WeCovr provides immense value. We have deep experience with how different insurers view various medical conditions. We can guide you to the provider most likely to offer you the best possible terms for your specific circumstances, saving you time and potentially a great deal of money.

The Claims Process: How to Get Paid When You Need It Most

A policy is only as good as its ability to pay out. Understanding the claims process can provide peace of mind that the support will be there if you need it.

Vitality is known for its supportive claims process, often focusing on rehabilitation and helping you get back to work if possible.

The Journey of a Claim:

1. Notification: As soon as you know you will be unable to work beyond your deferred period, you should contact Vitality's claims department.
2. Claim Form: You will be sent a claim form to complete. This will ask for details about your illness or injury, your occupation, your GP, and your income.
3. Providing Evidence: You will need to supply supporting evidence. This typically includes:
   • Medical Evidence: A report from your GP or specialist confirming your diagnosis, prognosis, and inability to work.
   • Financial Evidence: Proof of your income prior to your incapacity (e.g., payslips, P60, or company accounts).
4. Assessment: Vitality's dedicated claims assessors will review your case. They may contact your doctor for more information or arrange for an independent medical assessment to better understand your condition.
5. Decision and Payment: Once your claim is approved, payments will begin at the end of your deferred period. Payments are made monthly in arrears directly to your bank account.
6. Ongoing Support: For long-term claims, the claims team will stay in regular contact. They will require periodic medical updates to confirm you are still unable to work and may offer access to rehabilitation services to support your recovery.

According to the Association of British Insurers (ABI), the vast majority of protection claims are paid. In 2022, insurers paid out on 91.6% of new income protection claims. This demonstrates that as long as you have been honest in your application, you can have confidence that the policy will do its job.

Getting the Right Advice: Is Vitality Right for You?

Vitality offers a compelling and innovative income protection product. For individuals who are motivated to stay active and engage with the wellness programme, it can be one of the most cost-effective and rewarding options on the market.

However, it's crucial to acknowledge its unique structure.

Strengths vs. Considerations

The UK protection market is home to many outstanding insurers, including Aviva, LV=, Legal & General, and The Exeter. Each has its own strengths and is suited to different client needs.

The only way to be certain you're getting the best policy is to compare the entire market. This is the role of an independent protection adviser. At WeCovr, our experts will:

• Analyse Your Needs: We take the time to understand your occupation, income, health, and budget.
• Compare All Leading Insurers: We provide a comprehensive comparison of cover, features, and prices from across the market, including Vitality.
• Handle the Application: We manage the paperwork and communicate with the insurer on your behalf.
• Provide Ongoing Support: We are here to help for the life of your policy, including providing guidance at the crucial point of a claim.

Our advice is provided at no extra cost to you. We receive a commission from the insurer you choose, which is already built into the premium, so you pay the same price as going direct, but with the benefit of expert, impartial guidance.

Protect Your Income and Your Future Today

Your ability to earn an income is the foundation of your financial security. A comprehensive income protection policy is the only way to guarantee that a serious illness or injury doesn't lead to a financial crisis.

Vitality offers a unique and dynamic way to protect your income while rewarding you for looking after your health. But is it the perfect fit for you?

Let us help you find out. Contact WeCovr today for a free, no-obligation chat with one of our expert advisers. We'll compare Vitality against all other leading UK insurers to find you the right cover at the best possible price, giving you and your family the peace of mind you deserve.