Vitaance is an app that provides a personalized way to improve your well-being. With this app, you can choose the well-being benefits that interest you the most and suit your personal needs. Additionally, it allows you to participate in various activities, such as:

– Individual or team challenges with your colleagues.
– Completing an emotions diary to better understand their triggers and take action.
– Learning to improve your well-being according to your needs.
– Accessing quizzes and questionnaires on geography, history, sports, entertainment, and much more.
– Making donations to NGOs.
– And many other features.

You can leave any comments, questions, or suggestions you have here: Contact

Have you checked your Spam folder? If you still haven’t received it, we’re sorry. You can contact us and explain your situation here: Contact

Before downloading the app, you need to register through the email we sent you. If you haven’t received any email, contact us.‍
‍Play store
‍App store

Oh… Something must have gone wrong. Have you checked that the email and password are correct?

If the problem persists, click on the “Forgot Password” button. You will receive an email that will allow you to reset your password.

If that doesn’t work, you can email us at contacto@vitaance.com or contact us through the form.

Oops! Has your invitation expired? Contact us at contacto@vitaance.com or leave us a message through the form.

You can always recover your password from the login menu by clicking on “Forgot your password?” and entering the email you used to register with Vitaance.

It depends on whether your company allows the use of an email other than the corporate email. If that’s the case, you would need to request the email change through your company. This change cannot be made from the Vitaance app.

No worries, you don’t need a wristband or smartband to sync your activity.

‍If you have an Android device, you will need to do it through the Google Fit app. Check if you already have it; if not, you can download it from the Play Store.‍

If you’re an iOS user, you will need to use the “Health” app, which is likely already installed. If not, you can download it from the App Store.

If you have questions on how to do this, you can find more information in the “How to Sync My Activity” section.

Vitaance connects directly and easily to your system app, depending on whether you use Android or iOS. If you have a wristband or smartwatch from another brand, we’ll explain how to connect it in the next section, “How to Connect My Smartwatch or Wristband from Another Brand.” Here’s a step-by-step guide to connecting to Google Fit or Health:
‍Google fit
‍Apple health

If you have an active connection in the “Connected Services” list, but your activity isn’t syncing, try disconnecting and repeating the process by following the instructions.

This usually happens when the permissions haven’t been activated, so make sure to accept all necessary permissions for us to receive your activity information.

If you have any issues or questions, contact us at contacto@vitaance.com

The Well-being Balance is an amount of money that your company provides to help cover your well-being-related expenses. This amount is part of your salary in kind.

To access this balance, you need to upload the invoice or purchase receipt of your well-being products or services in the Vitaance app. After we validate it, we will reimburse the amount provided by your company to the account you have specified. The purchase receipt must include the expense amount, details of the purchased product or service, seller information (name and tax ID), and the purchase date.

This reimbursement system is the most flexible way to ensure that we can refund what is important for your well-being, regardless of whether you paid by direct debit, cash, transfer, or card.

At the end of each month, we will make a transfer for the total amount of approved expenses, up to the maximum of your well-being balance.

Each company defines its well-being policy and what expenses can be covered with this balance. Most users use it to cover expenses like gym memberships, psychotherapy sessions, sports equipment or clothing, nutrition, insurance, etc.

You can use your Well-being Balance from the day it is granted until its expiration date, as long as you remain part of the company.

The credit date depends on the policy and settings established by your company. Companies can set credits to occur regularly or at specific times for particular events. If your balance is recurring, it will be credited to your account on the first day of each period, according to the frequency chosen by your company.

If the expense amount you want reimbursed exceeds the available balance in your account, you have two options. If you want the full expense reimbursed, you’ll need to wait until you have enough money in your account to cover the total expense. Alternatively, if you prefer to receive the reimbursement immediately, you can submit the expense, and if it’s validated, we will reimburse the total available balance in your account at that time.

IMPORTANT: Please note that you cannot submit the same expense more than once, as it will be denied.

You can access your balance from the “My Benefits” section. There, you will also find the expense history along with their status.

The available period to use your Well-being Balance depends on the frequency with which it is granted. We will inform you of the expiration date in the recharge email and within the app.

Expired balance is not lost; instead, it is donated to an NGO. Soon, you’ll have the option to choose the NGO you wish to donate to, and you’ll be able to track the donated amount directly from the app.

We need your IBAN to identify the account where you want to receive reimbursements. Without this information, we won’t be able to process reimbursements for the well-being expenses you have submitted in the app.

If you want to change your IBAN, go to your profile within the Vitaance app. Then, click on “Settings” and select “My Banking Information.”

If you leave your company, the money in your account will be available until the last day of the month you depart. At that point, you will lose access to Vitaance, and any unused balance will be donated to an NGO.

Flexible remuneration allows employees resident in Spain to exchange part of their gross salary for tax-advantaged benefits, with limits for each category:

• General Limit: Up to 30% of gross salary (fixed salary only). Salaries must exceed the national minimum wage.
• Category-Specific Limits:
  • Meal Vouchers: Up to €11 per 20 working day, or €220/month depending on the employer decision.
  • Transportation: Up to €136.36 per month (€1,500/year) for public transport passes or company-arranged transport.
  • Childcare/Nursery Costs: No specific limit; falls under the general 30% cap. For children aged 0-3 years.
  • Training: No specific limit; falls under the general 30% cap. Training must be job-related and company-approved.
  • Medical Insurance: Up to €500 per year per insured person (€1,500 for disabled individuals). Excess amounts are taxable.

Additional Notes:

• Tax Exemptions: Benefits are tax-exempt up to these limits but subject to social security contributions.
• Voluntary: Employees must opt into plans, which are agreed upon with employers.
• Regional Variations: Minor variations may exist due to regional agreements or incentives.
  • Alava: Transportation and Health insurance are not tax exempt; Nursery has a limit of €1.000/month.
  • Guipuzcoa & Vizcaya: Medical insurance is not tax exempt; Nursery has a limit of €1.000/month.
  • Navarra: Medical insurance has a limit of €500/month.

You can submit your expenses based on the arrangement with your employer, either by using the Vitaance card for payments or by uploading proof of the expense. Detailed explanations of these methods are provided in the sections below.

Monthly amounts are typically reset around the 20th of each month, though this may vary depending on the employer’s specific arrangements. This timing ensures that all relevant expenses up to the 20th are accounted for before the monthly payslip is issued.

Within the Vitaance app, the Benefits page includes a dedicated area for flexible remuneration. Here, you can view a summary of your meal and transportation expenses, categorised as accepted, denied, or pending. Detailed information about each expense is also available. Additionally, users can navigate through past months to track their consumption over time.

Meals
You can use this benefit for meals from any restaurant or canteen, whether they dine in, take out, or get delivery.

Transportation
Eligible
Passes or tickets for public collective transportation purchased at ticket offices, vending machines, websites, or mobile applications. Purchases of tickets for metro, bus, tram, and RENFE.

Not Eligible
Private transportation such as VTCs, taxis, private buses, scooters, electric motorcycles, air travel, etc., according to current regulations.

You cannot order cards directly; your employer handles the process for you.

You need to activate your card through the Vitaance app by accessing the activation banner on the Benefits page. The activation process includes:

• Entering their phone number.
• Inputting the token ID found on the back of the card.
• Setting up a PIN (with a reminder to store it securely, as it cannot be saved by the app).
• Instructions on syncing the PIN at an ATM.

When activating the card, you can set up their PIN within the app during the activation process. However, since Vitaance cannot store the PIN, employees must save it securely. To make the card usable, the PIN must be synced at an ATM following the app’s instructions—setting it in the app alone is not sufficient.

To change the PIN, you need to visit an ATM, select the “Change PIN” option, and update it there.

To make a purchase, you can visit any authorised vendor in the Meals or Transportation environments and use the card just like a regular payment card.

If the card doesn’t recognize a vendor, it might be because the vendor is registered under a different category than those accepted by the card. Contact us to report this issue, and we’ll verify if the vendor can be added to the list of accepted vendors. If approved, you’ll be able to return and make a purchase with your Vitaance card.

If the expense amount exceeds the available balance on your card, the transaction will be denied. You can ask the vendor to adjust the expense to match the available balance on your card and pay the remaining amount using another payment method.

In the app, you can navigate to Profile > Settings > My Flex. Rem. Card to change your card status.

To report your card as lost, go to Profile > Settings > My Flex. Rem. Card. Once reported, the card will be permanently deactivated, and a request for a new card will be sent to the Vitaance team. The cost of the new card will initially be covered by your company but may be charged to you later—please confirm this with your employer.

1. Make a Purchase: Pay for meals or public transport with your preferred method.
2. Upload Proof of Expense: Add the expense in the app by uploading your proof.
3. Get Reimbursed: After validation, you’ll be reimbursed by month-end.
4. Save on Taxes: Expenses are deducted from your gross salary, reducing your taxable income.

After uploading an expense, the Vitaance team will review it within 3 days, letting you know if it was accepted or denied through the app. If accepted, you’ll be reimbursed in full around the 20th of the month. The amount will later be deducted from your payslip, with the benefit of IRPF tax exemption.

The expense will only be processed up to the amount you have available for spending under your flexible remuneration limit; any excess will not be covered.

We need your IBAN to identify the account where you want to receive reimbursements. Without this information, we won’t be able to process reimbursements for the flexible remuneration expenses you have submitted in the app.

To change your IBAN, navigate to Profile > Settings > My Banking Information in the Vitaance app.

Save on childcare costs for your children with income tax (IRPF) exemptions. While there’s no specific limit for this benefit, keep in mind that all tax-exempt benefits combined cannot exceed 30% of your gross annual salary.

Note: In Alava, Biscay, and Gipuzkoa, the exemption limit is up to €1,000.

1. Go to Flexible Remuneration, then select “Nursery”.

2. Tap “Add a request”.

3. Complete the form with your child’s and nursery’s information.

4. Your request will be processed, and you’ll be notified of the outcome.

Children between 0 and 3 years old.

Flexible remuneration can be applied for expenses at childcare facilities accredited by the autonomous communities.

We refer to it as a contract between two parties that contains the terms of the insurance, including their rights and obligations. It is composed of general conditions, specific conditions, and, if applicable, special conditions, as well as any supplements that modify the previous ones.

It is a contract that guarantees the payment of a sum of money by the insurer to the beneficiaries to address unexpected situations of particular need. Both you and your beneficiaries will have financial security in the form of compensation in the event of your death or disability. If you are recognized as having a permanent disability, you will receive this sum. In the case of death, your beneficiaries will receive it.

It is a life insurance policy in which there is only one insured individual. The policyholder can be either a natural person or a legal entity. The insured will always be a natural person and can be the same as the policyholder or another person whose life is to be insured. In the latter case, where the policyholder and the insured are not the same person, written consent from the insured will be required, unless it can be presumed that the insured has an interest in the existence of the insurance.

In life insurance, we find the following elements:

Personal elements:
– Policyholder: The person who contracts the policy and is responsible for paying the premium.
– Insured: The person whose life is insured. This can be the same as the policyholder or different. If the policyholder and the insured are not the same person, written consent from the insured is required unless it can be presumed that they have an interest in the existence of the insurance.
– Insurer: The company that collects the premium and is obligated to pay the agreed benefit if the covered risk occurs.
– Beneficiary: The person or persons designated by the policyholder who will receive the benefit if the covered risk occurs.

Formal elements:
– Insurance application: A form that provides information about what is to be insured.
– Policy: The formalization of the contract between the policyholder and the insurer, including general conditions, specific conditions, special conditions, and supplements or appendices for modification or clarification.

Material elements:
– Insured risk: The probability that the insured event occurs, causing damage.
– Premium: The price of the insurance.
– Insured interest: The interest of the insured in ensuring that the risk does not occur.

To contract a life insurance policy, a declaration of health status is required, and in some cases, a medical examination may be necessary, the cost of which will be covered by the insurer. It is important to answer the questions on the questionnaire honestly, as the law allows the insurer to terminate the contract if it is found that the answers were not provided accurately or if information was omitted.

It is the price you pay for the insurance. In life insurance, the premium depends on the amount of coverage contracted, the age of the insured, as well as their health status and habits.

No, the premium for life insurance does not remain the same. It depends, among other factors, on the age of the insured. The older the insured, the higher the risk, and therefore, the higher the premium.

The basic coverage of life insurance is for death from any cause. However, it is common to include additional coverages such as absolute permanent disability or severe disability, coverage in the event of an accident and/or traffic accident, as well as the payment of a sum in case of a diagnosis of a serious illness during the term of the contract.

Sí, los contratos de seguro incorporan limitaciones de cobertura que se denominan Exclusiones.
Las más comunes son:
– El suicidio durante el primer año de vigencia de la póliza.
– Para el caso de la garantía de incapacidad, lesiones causadas intencionadamente por el asegurado a sí mismo.
– Reacción o radiación nuclear y/o contaminación radiactiva, causada directa o indirectamente.
– Navegación submarina o en viajes de exploración.
– Los daños derivados de conflictos armados, catástrofes naturales y actos delictivos del asegurado.
– Las consecuencias de accidentes o enfermedades originados con anterioridad a la entrada en vigor de este contrato. Es importante que conozcas de su existencia para evitar sorpresas en el momento más necesario.

Insurance provides protection and financial support in cases of loss due to unexpected events. It’s better to have it and not need it than to need it and not have it. This type of insurance offers protection and peace of mind when there is a loss of income due to death, disability, and/or illness.

The amount to be contracted should be sufficient to meet your present and future commitments in order to maintain your quality of life in the event of a covered occurrence.

Not always. Depending on your age and the insured amount, you may be required to undergo some medical tests, which can range from a brief health questionnaire to a full medical examination. In the latter case, there will be no cost to you, as the insurer will cover everything.

In the event of death, regardless of the cause, your beneficiaries will receive the guaranteed amount. This is the basic coverage of all life insurance policies.

In addition to the basic coverage, other complementary guarantees can be contracted based on the needs or interests of the insured. The most common ones include:

– Accidental death.
– Death due to a traffic accident.
– Absolute permanent disability from any cause.
– Absolute permanent disability resulting from an accident.
– Absolute permanent disability resulting from a traffic accident.
– Permanent disability for the usual profession from any cause.
– Permanent disability for the usual profession due to an accident.
– Critical illnesses.
– Other illnesses.

In the event of accidental death, your beneficiaries will receive an additional guaranteed amount on top of the coverage for death from any cause.

In the event of death due to a traffic accident, your beneficiaries will receive an additional amount on top of what they would receive for the guarantees of death from any cause and accidental death. This guarantee must be specifically contracted for it to apply.

Permanent disability refers to anatomical or functional losses that result in irreversible physical consequences for the insured.

Total permanent disability is defined as a condition that completely incapacitates the worker from performing their profession or trade, as stated in the insurance application.

Absolute permanent disability is defined as a condition that completely incapacitates the worker for any profession or trade.

Severe disability is defined as a condition that completely incapacitates the worker from performing the most essential activities of daily life, such as dressing, grooming, moving, and requires assistance from another person to carry out these tasks.

Generally, life insurance policies are contracted for a duration of one year, and renewal occurs automatically unless one party notifies the other of their intention not to renew.

As long as the policy is automatically renewed, you will have coverage up to the age or ages specified in your insurance contract according to the guarantees. The maximum age for coverage under the guarantee for death from any cause may extend beyond the maximum age for other guarantees.

Yes, you can have multiple life insurance policies, and if you wish, you can designate different beneficiaries for each one. The limit is determined by your financial capacity.

In the event of death, the beneficiaries will be the individuals you designate. The designation of beneficiaries can be made in the policy, in a will, or by informing the insurance company in writing, clearly stating who you want your beneficiaries to be, without any room for interpretation. In the case of disability, you will be the beneficiary of the insurance.

The designation of beneficiaries can be modified at any time, as long as you have not expressly waived this right.

If you wish to modify the beneficiaries, you can notify us by email at soporte@vitaance.com. You can change the beneficiaries as many times as you want.

We understand that this is a difficult time, but in the event of death, you should inform us as soon as possible so that we can process the corresponding compensation.

To report a claim, you can contact us at the following email address: siniestros@vitaance.com

You can request information from the Registry of Death Coverage Insurance Contracts to determine if your recently deceased family member had a life insurance policy with an insurance company.

The Registry of Death Coverage Insurance Contracts is a public registry under the Ministry of Justice. Its purpose is to provide necessary information to determine whether a deceased person had a life insurance policy, as well as the insurance company with which it was contracted. This allows potential beneficiaries to contact the insurer to verify if they are listed as beneficiaries and, if applicable, to claim the benefits derived from the policy.