UK Supplemental Healthcare, Pension, Life Insurance and Critical Illness

Below is an overview of the benefits available to you. Some benefits are automatically provided, while others require enrollment. Please review the Enrollment section for each benefit to understand how to get started.

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Summary of UK Health Insurance (VitalityHealth)

Toku partners with VitalityHealth, a leading UK private health insurer, to provide private medical insurance alongside NHS coverage. All eligible employees are automatically enrolled in the Vitality scheme on their start date - no opt-in is required. See the Eligibility & Enrollment section for full details on timing and what to expect.

A full Schedule of Benefits is available here.

Eligibility & Enrollment

How Enrollment Works

UK Private Medical Insurance with Vitality is auto-enrolled — all eligible employees are automatically added to the scheme on their start date. There is nothing you need to do to opt in or activate coverage.

Behind the scenes

• On your start date, our embedded benefits partner (Kota) receives a notification and manually enrols you in the Vitality portal that same day.

• Vitality then takes 2 - 4 days to process the enrollment and will email a confirmation directly to you.

• After Vitality confirms, it can take up to a further 4 days for the benefit to become visible in the Kota platform (accessible via your Benefits tab in Toku).

• End-to-end timing: from your start date, please allow up to around 8 days for the benefit to appear in the app. What to expect as a new starter

• Your Vitality confirmation email should arrive within 2 - 4 days of your start date.

• The benefit will appear in Kota shortly after Vitality confirms.

• If after 2 weeks you haven't received the confirmation email from Vitality or can't see the benefit in the Kota platform, please reach out to [email protected] so we can flag it to Kota for investigation. Adding Dependents

Once your benefit is visible in the Kota platform, you can review your Vitality plan information and add any dependents you'd like to cover directly within the app.

What Happens When You Leave

If your employment ends, your Vitality coverage will automatically be removed on your termination date. No action is needed on your part. If you've been covered for at least 12 continuous months, you have the option to continue coverage on an individual plan by contacting Vitality directly within 30 days of your last day.

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How to Use Your Health Coverage

• Access care through Vitality’s provider network
• GP referrals are required for specialist care
• Pre-authorization is required for hospital admissions and certain treatments
• Claims and authorizations are managed through the Vitality Member Zone below: 🔗 https://www.vitality.co.uk/

Summary of Covered Services

The sections below provide an overview of what is covered under the VitalityHealth plan. Expand each section for more detail by service type.

Routine Medical & Preventive Care

• Virtual GP consultations: Fully covered
• Private GP visits: Covered per plan terms
• Specialist consultations & diagnostics: Fully covered with GP referral
• Physiotherapy: Covered for musculoskeletal conditions
• Health screenings & vaccinations: Partial reimbursement Follow-up visits with the same provider within 7 days are free.

Mental Health & Wellbeing

• Psychiatric hospital stays: Up to 28 days per year
• Therapy & counseling: Including CBT and talking therapies
• Ongoing wellbeing support through Vitality and Help@hand services

Hospital & Cancer Coverage

• In-patient & day-patient treatment: Fully covered including hospital fees, consultant fees, and critical care.
• Cancer care: Includes chemotherapy, radiotherapy, and certain preventive treatments
• Maternity complications: Including ectopic pregnancy and postpartum hemorrhage
• Childbirth or adoption benefit: £100 per child Pre-authorization is required for hospital admissions.

Dental & Optical Coverage

• Routine dental care: £100 per year
• Major dental treatments: 80% covered, up to £400 per year (e.g., fillings, crowns, root canals)
• Emergency dental care: Up to £2,500 per claim (max 2 claims/year)
• Optical care: Up to £500 per year for exams, glasses, and contact lenses with preferred providers. No provider network restrictions apply

Emergency & Travel Coverage

• Private ambulance services: Covered when medically necessary
• Worldwide travel cover:
  • Emergency medical expenses up to £10 million
  • Trip cancellation and personal item loss
  • Coverage for trips up to 120 days
• Medical repatriation back to the UK if required Emergency travel assistance: +44 (0) 345 278 5605

Underwriting Terms

This plan follows moratorium underwriting:

• Pre-existing conditions are not covered for the first 2 continuous years. A pre-existing condition is any medical condition for which you have received treatment, medication, or consultation before your enrollment in the plan
• If no symptoms, treatment, or advice are received during that time, coverage may become available
• Continued personal medical exclusions (CPME) are available for employees switching from another insurer - these preserve existing cover terms but require a switch application form approved by Vitality's underwriters
• If an applicant provides incomplete or inaccurate information, Vitality may: decline a claim, add personal medical exclusions, cancel cover, or reclaim costs of treatment already paid
• CPME acceptance terms are not available if all new members are specifically required to join on moratorium or full medical underwriting terms

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Summary of UK Pension (Smart Pension)

Toku partners with Smart Pension to support long-term retirement savings. Eligible employees are automatically enrolled, and you will receive a welcome email directly from Smart Pension once enrollment is processed.

Automatic Enrollment

You will be automatically enrolled into the Smart Pension plan in the pay period in which you meet all of the following criteria:

• You earn over £192 per week (or £833 per month / £10,000 per year)
• You are aged 22 or over
• You are under State Pension age No action is required from employees to enroll. Your pension savings start building as soon as the first contribution is made, and your savings belong to you even if you leave Toku UK in the future.

Accessing Your Smart Pension Account

Once enrolled, you can sign in to your Smart Pension account at any time to view your contribution history, update beneficiaries, or increase your contribution rate:

🔗 https://id.autoenrolment.co.uk/employee/redirect?company_slug=workco-uklimited

You will also receive an annual pension statement each year showing the value of your pension savings.

Contribution Breakdown

• Employer contribution: 3% of your salary
• Employee contribution: 5% of your salary
  • Contributions are made via salary sacrifice, taken from your pay before tax is deducted, reducing your taxable income
  • You can adjust your contribution rates at any time through your Smart Pension account to better match your financial goals

Tax Relief

• If you pay tax at the basic, higher, or additional rate, you will receive tax relief straight away at your highest rate of tax (because contributions are taken before tax)
• If you are a non-taxpayer, you may be able to claim tax relief directly from HMRC via your self-assessment
• More info: https://www.autoenrolment.co.uk/employee-information

Opting Out

You can choose to opt out of the pension scheme if you don't want to participate. To opt out without losing the right to a refund of contributions, you must do so during the opt-out window noted in your Smart Pension welcome email (typically a one-month window starting from your enrollment date).

• For full opt-out instructions: https://smrt.pe/opt-out
• If you opt out after the window closes, your contributions will remain invested in your pension until you retire If you choose to remain in the scheme, you will continue to build your pension savings until you retire.

Pension Resources & Support

• Sign in to your account: https://id.autoenrolment.co.uk/employee/redirect?company_slug=workco-uklimited
• Support Centre: https://smrt.pe/member-support
• Contact: https://smrt.pe/member-contact
  • 0333 666 26 26 (Mon - Fri, 9am - 5pm)

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Summary of UK Life Insurance & Critical Illness

Toku provides employer-funded Life Insurance and Critical Illness coverage for all UK employees. Employees are automatically enrolled.

Eligibility & Enrollment

• Eligible employees: All employees are automatically enrolled upon hire
• Entry age: 16 to State Pension Age
• Coverage begins on day one

Life Insurance

• Coverage amount: 4× base salary
• Coverage continues during temporary absence
  • Temporary Absence: Coverage continues up to 3 years for non-medical reasons and until the cover cease age for illness/injury
• Optional Beneficiary Nomination Form available
  • While it's not mandatory, you are welcome to complete a Beneficiary Nomination Form to indicate who you’d like to receive the benefit in case of an unexpected event. Though this document is not legally binding for the trustees, they will take your wishes into consideration. You can complete the form here and send it back to [email protected], and we’ll keep it on file for you.
    • Beneficiary Nomination Form
    • Submit to: [email protected]

Critical Illness Insurance

• £50,000 tax-free lump sum upon diagnosis of a covered condition
• Covers conditions such as cancer, heart attack, stroke, and kidney failure
• Children automatically covered (25% of employee benefit)
  • Automatically covers children up to 18 years (or 21 if in full-time education).
  • View Full Critical Illness Guide Details

Additional Wellbeing Support

Employees also receive access to Help@hand, offering 24/7 wellbeing services:

• Unlimited remote GP access: 24/7 remote GP appointments, with video consultations available within 2 hours.
• Mental health support & therapy: Video consultations and ongoing mental health support.
• Fast-track diagnostics (CT/MRI)
• Cancer and physiotherapy support
  • Up to 8 physiotherapy sessions per year, including an initial assessment.
• Lifestyle coaching and wellbeing assessments
• Employee Assistance Programme (EAP)
• Discounts and wellbeing content 📞 Call 08083 043 698 and state you are an employee of WorkCo UK Limited

📱 You will receive an invitation to download the Help@hand app

For more details, check out the more details here.

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