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.

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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

Do you have a Garmin watch, use Strava, or want to connect your Xiaomi wristband? No problem! You just need to connect the app you use to Google Fit if you have Android, or to Apple Health if you have iOS. Here’s a guide on how to do it with the most popular devices:

‍Strava‍
‍Xiaomi‍
‍Fitbit
‍Garmin
‍Polar
‍Samsung
‍Huawei
‍Tengo otro dispositivo

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.

It refers to a contract between two parties that outlines the terms of the insurance, including the rights and obligations. It consists of general conditions, specific conditions, special conditions (if any), and any amendments that modify the previous ones.

It is a contract that guarantees the payment of a sum of money 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.

In the case of a recognised permanent disability, you will be the one to receive this sum. In the event of death, your beneficiaries will receive it.

Group Life Insurance is a type of insurance that provides coverage to multiple insured individuals under the same contract or policy.

Typically, the policyholder is a company or professional group to which the insured person is connected.

Yes, and you can have different beneficiaries for each policy if you wish.

It is a document issued by the insurance company provided to the insured as proof that they are included in the insurance policy.

The individual insurance certificate replicates the details of what the policy covers, such as guarantees and insured sums for each benefit, and, if applicable, the designated beneficiaries.

Not always. Depending on your age and the insured sum, you may be asked to undergo some medical tests, ranging from a brief health questionnaire to a full medical examination. In the latter case, there will be no cost to you, as the insurance company will handle everything.

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

No. The premium for life insurance 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 death by any cause. However, it’s common to include additional coverages like permanent disability (total, absolute, or severe) caused by any reason.

Additional guarantees can also be included, ensuring extra payments if the death or disability results from an accident or a traffic accident.

Yes, insurance contracts include coverage limitations known as Exclusions. You can review them in your individual insurance certificate.

In the event of accidental death, your beneficiaries will receive an additional sum on top of the coverage for death from any cause. This guarantee must be specifically contracted for this coverage to apply.

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

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

From the perspective of Life Insurance, there are three types of permanent disability that can be covered by the insurance: Total Permanent Disability, Absolute Permanent Disability, and Severe Disability.

Total Permanent Disability (TPD) for the usual profession refers to a condition that prevents the worker from performing all or essential tasks of their usual profession, as long as they can engage in different work. This guarantee must be specifically contracted for this coverage to apply.

Absolute Permanent Disability (APD) is a condition that completely incapacitates the worker for any profession or trade. To receive compensation, this guarantee or Total Permanent Disability must be specifically contracted.

Severe Disability (SD) refers to 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.

To receive compensation, this guarantee or the guarantees of Absolute Permanent Disability or Total Permanent Disability must be specifically contracted.

Total Permanent Disability incapacitates a person from performing the main tasks of their profession, but they can engage in a different one.

Absolute Permanent Disability, on the other hand, completely incapacitates a person from any trade or profession.

They are often used interchangeably. In the context of an insurance contract, disability aims to compensate for the lack of ability to perform a specific activity. However, incapacity is actually related to the usual profession, while disability is associated with any activity.

As long as the policy remains active with your company and you continue to be their employee, you will have coverage until age 70 for death from any cause, and until age 67 for the additional guarantees that your company has contracted.

Of course! If the guarantees or amounts contracted by your company do not meet your financial needs, you can always contact us at soporte@vitaance.com so that an agent can reach out to you and provide personal assistance.

In the event of death, the beneficiaries will be the individuals you designate in communications made after your enrollment. If you have not designated anyone, your beneficiaries will be the following individuals in this order of preference: first, your spouse; if not, your children; if not, your parents; and if not, your legal heirs. In the case of disability, you will be the beneficiary of the insurance.

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

We understand that this is a difficult time, but in the event of a claim, 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

The documentation needed to process a claim for death includes:

– DNI or NIE of the insured.
– Official death certificate.
– Official medical report indicating the medical history and dates of the illness that caused the death, and in the case of death by accident, a police report.
– If available, a report from the Forensic Institute and, if applicable, a report from the Toxicology Institute.
– Certification from the General Registry of Last Will Acts and, if applicable, a copy of the insured’s last will.
– Judicial declaration of heirs if the legal heirs are the beneficiaries.
– Payment letter or declaration of exemption from the Inheritance and Donations Tax.

If the death was caused by an accident, the beneficiaries must also provide:

– A police report certifying the accident.
– An emergency medical report detailing the causes and injuries resulting from the accident.

The documentation needed to process a claim for disability includes:

– DNI or NIE of the insured.
– A medical certificate that certifies the cause of the disability as an accident, along with the degree and type of resulting disability.
– A proposal and resolution of disabilities from Social Security or the official body that replaces it, specifying the causes, degree of disability, and the effective date of the resolution.
– If applicable, evidence from judicial proceedings or documents proving the disability due to an accident.
– A certificate from the policyholder indicating the premiums that have been tax-deducted and a data communication form for the payer prepared by the Tax Agency.
– In the case of Total Permanent Disability, documentation confirming the insured’s usual profession must be provided.

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.