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Your no claims discount
At PruHealth, we have a simple approach to no claims discounts. For each year you don’t make a claim, your discount will increase. For each year you do make a claim, your discount will decrease.
If you have not claimed on health insurance in the past two years, even if you have not had health insurance before or you’ve been covered under a group scheme, you’ll receive an initial no claims discount of 25%. If you have made a claim in the past two years, you’ll get a 15% discount.
For each claim-free year you spend with us, you will move up a level on our no claims discount table (see below) and increase your no claims discount – up to a maximum of 35%. If you do make a claim during the year, you will simply move back two levels at renewal and you can start to rebuild your discount again the following year. Your no claims discount cannot fall below 0%.
| No claims band | 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|---|
| Discount | 0% | 5% | 10% | 15% | 20% | 25% | 30% | 35% |
If you are unwell, you should not delay seeking treatment because of the impact it will have on your no claims discount.
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