Model your weekly activity, health checks, and habits to estimate your Vitality status, watch contributions, and long-term value versus cheaper insurers. Built to explain the rules, not just show a number.
When you buy Vitality cover through WeCovr, you still get Vitality's watches and rewards, plus our complimentary CalorieHero app at no extra cost compared to buying direct from Vitality; Vitality does not include CalorieHero, only WeCovr does.
Independent evaluation. Not affiliated with Vitality. Last reviewed: 2026-01-14.Activity points with daily/weekly caps, mindfulness points, core prevention items, and Apple Watch contribution estimates.
Enter your weekly habits, confirm your health checks, and run the analysis to see your status and value verdict.
We show the true cost of ownership over three years, not just points, so you can choose the right policy.
Use the steps below to estimate activity points, prevention points, and reward value. You can change everything later.
Mindful activity can earn up to 6 points per week.
Mindful activity days per week: 3Run the calculator to see your points, status, watch payments, and a 3-year value verdict.
Aim for three high-activity days, two moderate days, and one mindfulness session per week. That usually puts you in the 120-160 monthly point band for watch savings.
The more activity points you earn each month, the less you pay. This table is the typical contribution structure used in Vitality materials.
0-39 pts: £10.00
40-79 pts: £7.50
80-119 pts: £5.00
120-159 pts: £2.50
160+ pts: £0.00
0-39 pts: £6.00
40-79 pts: £4.50
80-119 pts: £3.00
120-159 pts: £1.50
160+ pts: £0.00
Apple Watch, Caffè Nero, cinema, gym partners, Headspace, Garmin, Fitbit, Fiit, Peloton, Waitrose & Partners, and more. Use the calculator below to see how your points could unlock these rewards.
This calculator models activity points using a weekly cap of 40 and a daily cap of 8, with only the highest tracked activity counted per day. Monthly activity points are estimated by multiplying weekly points by 4.33.
Apple Watch contributions are modeled using the Series 11 table shown above and a 36-month period. Premium comparisons use typical example premiums and a gym discount estimate to help you compare total cost of ownership.
Sources reviewed: Vitality support documentation on points caps, activity rules, partner gyms, parkrun, and Apple Watch contributions.
We combine the core Vitality rules (daily and weekly activity caps, one tracked activity per day, partner gym stacking, and parkrun distinctions) with a transparent Apple Watch contribution model and a 3-year value comparison against a cheaper insurer. This gives you a complete view of status, rewards, and total cost of ownership in one place.
We update the assumptions regularly and mark a visible review date so you can trust the rules we are using.
No. This is an independent estimator based on publicly available Vitality rules and common contribution tables.
Vitality applies plan-specific rules, eligibility, device integrations, and partner activity stacking. This tool models the core activity caps and typical thresholds, so treat it as a planning estimate.
Volunteering earns points, but it does not count toward Active Rewards. Taking part in a parkrun does count.
Yes. You keep Vitality watches and rewards, and WeCovr adds complimentary CalorieHero at no extra cost compared to buying direct.