Save on your health – reducing your premium now and in the future
With PruHealth you could lower your premiums each year with our Vitality programme. Vitality is our unique way of rewarding you for actively looking after your health.
- Save up to 25% in your first year just by answering a few simple questions about your lifestyle.
- Every year, if you don't claim, you'll get a guaranteed no claim bonus of 25% of the current year’s premium towards the cost of the next year’s cover.
- Significant savings for looking after yourself. By participating in a range of healthy activities you could earn Vitality points and increase your no claims bonus to 50%, 75% or even 100%.
- Save by choosing your own excess – £0, £100, £250, £500 or £1,000. The higher the excess you choose the more you’ll save on your premium. Excess is only available for Essential and Comprehensive plans.
See how much you could save
The following example is for a male aged 35 living in Oxford, with an Essential Plan, £0 excess and National hospital cover. It is intended to illustrate the way the PruHealth Vitality rewards programme can affect your premium assuming no claims are made. Actual premiums will depend on individual circumstances.
| Year 1 | |
|---|---|
| Monthly base premium | £57.98 |
| First year discount of 25% | £14.50 |
| Monthly premium paid after discount | £43.49 |
| Year 2 | ||||
|---|---|---|---|---|
| Monthly base premium (after annual) | £64.94 | |||
| Vitality status (% of Year 1 premium earned for not claiming) | Bronze (25%) | Silver (50%) | Gold (75%) | Platinum (100%) |
| No claims bonus | £14.50 | £28.99 | £43.49 | £57.98 |
| Monthly premium paid after discount | £50.44 | £35.95 | £21.45 | £6.96 |
This example was calculated in June 2008. These are for illustration only
and your actual premium will depend on your individual circumstances.
Please note your renewal premium before any savings will rise due to your age
and the effects of medical inflation, in the example above this is assumed
to be a total of 12% (including age) but this is not guaranteed and may be more
or less than this figure.
