Live well. Get rewarded. Stay in control.
MOAT turns the data from any wearable into one clear health picture — and rewards you for living well. You stay in control of your data, and you can only benefit.
How it works
Three steps. No new gadget required.
Connect
Link the wearable you already own, or just your phone. Apple Watch, Garmin, Fitbit, Oura, Whoop — any of them.
Understand
MOAT turns your activity, sleep and heart data into one clear score, with plain-English guidance on what to do next.
Benefit
Earn rewards for healthy habits and unlock benefits on your cover. You can only gain — never be penalised.
Thursday 25 June
Good morning, Alex
You're on a 3-day streak — keep it alive.
Your Health Score
WHO-endorsed wellness score
3
day streak
1,450
points
One number that actually means something.
Your activity, sleep, resting heart rate and recovery, distilled into a single health score you can read at a glance. Watch it move as your habits improve — no medical degree required.
Health insights
Steps
11,200
Sleep
7.8h
Resting HR
58
HRV
72
Health Score pillars
Not just what happened — what to do about it.
MOAT reads the patterns in your data and turns them into clear, personal guidance: where you're doing well, what's holding your score back, and the one or two changes that move the needle most.
Goals
2 goals still open
Earned +260 pts this week.
Daily Steps
10,000 steps
Cardio x3
3 workouts this week
Restful Night
7h+ sleep
Small wins, every week.
Personalised goals and challenges that fit your life, with streaks and milestones that keep you going. Healthy habits stop feeling like a chore and start feeling like progress.
Rewards
Points balance
1,000
Activity Points
200
Health Points
5% Renewal Discount
~£37/yr500 verified points
Coffee on Us
Redeem200 wellbeing credits · weekly perk
Living well should pay you back.
Earn rewards and perks for staying active, and unlock benefits on the cover you already hold. With MOAT it's upside-only: your healthy habits can lower what you pay — they can never be used against you.
Thursday 25 June
Good morning, Alex
You're on a 3-day streak — keep it alive.
Your Health Score
WHO-endorsed wellness score
3
day streak
1,450
points
Privacy
Your data. Your rules. Always.
You decide what you share, you see exactly where it goes, and you can pause or switch it off whenever you like. MOAT is consent-based and built to UK data-protection standards — your health data works for you, never behind your back.
- Choose what you share
- See exactly where it goes
- Pause or switch off anytime
- Consent-based by design
At a glance
Everything you get with MOAT
Your wearable already knows more about your health than your last insurance form.
See everything MOAT can do — and how it fits with your cover.