BUSINESS HEALTHCARE VITALITY.CO.UK/HEALTH

BUSINESS HEALTHCARE VITALITY.CO.UK/HEALTH

VITALITY IS INSURANCE THAT REWARDS YOU FOR BEING HEALTHY. AS WELL AS PROTECTING YOUR EMPLOYEES WHEN THINGS GO WRONG, IT ALSO HELPS THEM LEAD A HEALTHIER LIFE MEANING THEY DON T HAVE TO CLAIM TO BE ABLE TO BENEFIT. IT S THE WAY INSURANCE SHOULD BE.

1UNDERSTAND YOUR HEALTH The first step to your employees understanding their health is to complete an online Health Review. This will provide them with their Vitality Age. Their Vitality Age may be higher or lower than their actual age and it serves as an indication of their overall health. HEALTHCHECK FREE VITALITY HEALTHCHECK Free Vitality Healthcheck through our pharmacy network 1 HALF PRICE HEALTH SCREENS Your employees can get a half price health screen with BMI Healthcare, Nuffield Health or Bluecrest Screening 2 VITALITY MED Help and advice to manage long-term conditions. Your employees could even earn LloydsPharmacy vouchers for fully participating for 12 months FREE FITNESS ASSESSMENT Free fitness assessment at Virgin Active 1. One free Vitality Healthcheck per principal member, per plan year. Subsequent Vitality Healthchecks will be available for 15 VITALITYHEALTH WILL MAKE IT CHEAPER AND EASIER FOR YOUR EMPLOYEES TO GET HEALTHIER EVERY DAY 2. To qualify for a half price health screen, employees without Vitality Plus will require a GP phone consultation (details provided by VitalityHealth). Details correct as at end of January 2015. Terms and conditions apply. See www.vitalityhealth.co.uk for more details.

2GET HEALTHIER We make it cheaper and easier to get healthier with a range of discounts and cash back through our partners. 3BE REWARDED We motivate your employees to get healthier through our two types of rewards: Active Rewards and Status Rewards. GET ACTIVE 50% off monthly gym membership fees. A joining fee will apply 3 50% discount on a pair of sports shoes with Sweatshop available in-store and online Up to 50% cashback on a bike with Evans Cycles 4 Track your health with a fitness device and earn Vitality points and rewards Measure your workout with a Fitbug from 34.95 (inc P&P) 50% off selected devices 5 Earn Vitality points with parkrun ACTIVE REWARDS 6 Active Rewards are regular treats that your employees can unlock for them and their family by getting active every week Get active and be rewarded with a cinema ticket every week at Cineworld or Vue 7 Get active and be rewarded with a drink at Starbucks every week 8 STATUS REWARDS Status Rewards get bigger the more effort your employees put in over time, giving them that extra incentive to keep healthy and get more back from their plan EAT WELL Earn Vitality points and bonus Nectar points for buying certain healthy foods at Sainsbury s Sign up to Weight Watchers Monthly Pass for six months for just 30 STOP SMOKING Free stop smoking programme with Allen Carr s Easyway to Stop Smoking WELLBEING AND RELAXATION 75% off one, two and three night Classic Breaks and Spa Days at Champneys Spa Resorts 25% off various beauty treatments at Champneys Day Spas Enjoy the National Trust with our exclusive pass TRAVEL 6 Up to 40% off return flights within the UK and Europe. Including taxes and charges 9 Up to 25% cash back on luxury and boutique hotels with Mr & Mrs Smith 10 Up to 40% off rail tickets with Eurostar CASH BACK VitalityHealth are the only health insurer to give your employees cash back for being a non-smoker We reward each employee on the plan when they re a non-smoker. All they need to do is to undertake the Vitality Healthcheck which will confirm to us that they have been tobacco and nicotine free for at least 12 months 10% to 50% cash back when your employees shop in-store and online at LloydsPharmacy 11 3. Flexible individual monthly membership. Joining fees are up to 50 for all clubs other than Classic Collection clubs, where joining fees are up to 150. This offer does not apply to Chiswick Riverside Virgin Active club. 4. Up to a maximum amount of 500 depending on Vitality status. 5. One product per lifetime of the plan. 6. Available to Vitality Plus members. 7. Excludes 3D films and tickets for any film at Vue Leicester Square. 8. Applies to handcrafted drinks only. 9. The discount applies to return economy flights to selected domestic and short haul destinations as advertised on the Fly Vitality website. Based on your Vitality status you could make up to a maximum of two discounted bookings through Fly Vitality per member per plan year. The discount does not apply to optional extras such as special baggage fees. Subject to a minimum stay depending on your day of departure. 10. Up to a maximum amount of 125 depending on Vitality status. 11. All employees are eligible for a 10% cash back. Employees with Vitality Plus are eligible for up to 50%, subject to the online Health Review being completed. Excluding nappies, infant formula milk, prescription charges (NHS or Private), mobile phone top ups and codeine products. Maximum 50 discountable spend per plan per calendar month.

1FULL COVER START WITH CORE COVER When we say Full Cover, we mean it. There s no set time or money limit, and we ll pay all consultants and anaesthetists fees in full if the treatment is covered on your employees plan IN-PATIENT AND DAY-PATIENT COVER Diagnostic Tests MRI, CT and PET scans Hospital Fees Specialists Fees FULL CANCER COVER All in-patient and out-patient costs related to the treatment of cancer, once diagnosed LIFESTYLE SURGERY* Including removal of port wine birthmarks on the face and gastric banding AND IF YOUR EMPLOYEES ARE ILL WE LL HELP THEM GET A PROMPT DIAGNOSIS^ ADDED BENEFITS Childbirth Cash Benefit Pregnancy Complications Oral Surgery Parent Accommodation NHS Hospital Cash Benefit Assistance at Home Home Nursing Private Ambulance THEY LL GET ACCESS TO THE BEST POSSIBLE MEDICAL CARE AND WE LL HELP THEM GET BETTER.

2 3 CHOOSE COVER OPTIONS OTHER PLAN CHOICES OUT-PATIENT COVER 500 / 750 / 1,000 / 1,250 / 1,500 / Full Cover OUT-PATIENT DIAGNOSTICS Up to Out-patient Cover limit / Full Cover PSYCHIATRIC COVER 15,000 / 20,000 ( 1,500 outpatient within each limit) THERAPIES COVER 350 / Full Cover DENTAL COVER Major / Major and Routine PRIVATE GP HELPLINE A 24 hour phone line, seven days a week PERSONAL HEALTH FUND Up to 225 per employee per year Includes optical fees, dental fees, physiotherapy fees, health assessments, private GP costs and chronic prescriptions EMPLOYEE ASSISTANCE PROGRAMME For advice on a number of issues EMERGENCY OVERSEAS COVER 90 days** WORLDWIDE TRAVEL COVER 120 days** CORE CANCER COVER Instead of Full Cancer Cover UNDERWRITING Full Medical Underwriting / Moratorium (5:2:2) / Continued Personal Medical Exclusions (Switch) / Medical History Disregarded HOSPITAL LIST Local / Countrywide / Premier EXCESS Per year / Per claim / 0 / 100 / 250 / 500 / 1,000 / Vitality-linked Choose to pay an excess once per year, or once per claim for a reduced premium. To meet your needs and budget, you can also add an excess, choose from one of three hospital lists and choose Core Cancer Cover instead of Full Cancer Cover. This leaflet provides a summary of our Business Healthcare Plan. For more information please contact your adviser. ^ Subject to the Out-patient Cover option being included in your plan * Subject to eligibility and a member copayment of 25%. Available for groups with over 20 employees ** Unless we agree otherwise, the benefits are for each person covered on your plan, per trip Vitality Plus is included in our Core Cover and gives members access to all our Active and Status rewards but you can choose to remove it. By removing Vitality Plus your employees won t have access to any Active Rewards or the enhanced LloydsPharmacy cash back and Travel partners in Status Rewards. Removing Vitality Plus will change the premium you pay. VitalityHealth is a trading name of Vitality Corporate Services Limited. Registered number 05933141. Registered in England and Wales. Registered office at 3 More London Riverside, London, SE1 2AQ. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority. PRUHS21760_ 11/2014_J735 Part of the Discovery Group