What we check
- How you earn pointsHealth checks, fitness assessments and tracked exercise all earn points.
- Your status levelYour points total sets your status, which resets each year.
- Which products are linkedLife cover, car insurance and investments can each use Vitality differently.
- Fees vs. benefitsVitality can carry a monthly fee. Make sure the rewards you use are worth more than it costs.
- Active RewardsWeekly goals unlock smaller rewards like coffee or smoothies.
- Integrated benefitsThe real value often comes from linking several Discovery products.
Common mistakes
- Paying for Vitality but not using itWithout points, you pay the fee and get little back.
- Missing the yearly health checkIt's one of the easiest ways to earn points.
- Not linking your productsSome benefits only apply when products are connected.
Is your current policy still right for you? Policies that were right a few years ago often aren't today. A review costs nothing.
Common questions
Is Vitality worth it?
If you'll actually engage with it and use the rewards, usually yes. If not, the fee may outweigh the benefit.
Do I lose my status if I change plans?
Status is based on points earned in your Vitality year. Ask before switching so you understand the impact.
How this applies to you
General information only goes so far. Your age, family, debts and existing cover all change the answer. A free 15-minute call is the quickest way to find out where you stand.