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In Pru Health



Individual and group private medical insurance

Minimum-maximum ages:

Minimum group size:

Minimum premium:
No minimum

Maximum benefits:
No overall maximum but limits will apply to some benefits

Cover provided:
Comprehensive plan &#45 unlimited inpatient benefits except psychiatric treatment up to 45 days a year, outpatient benefit &#45 unlimited benefits except chiropractic/ osteopathy up to £800 a year, additional benefits &#45 alternative medicines up to £600 a year, maternity cash up to £100 a child, home nursing, private ambulance, parental accommodation for children under 12, NHS hospital cash £100 a day or night. Essential plan &#45 unlimited inpatient benefits but no psychiatric treatment, £600 limit a year applies to each outpatient benefit except diagnostic tests, radiology, scans, radiotherapy and chemotherapy, additional benefits &#45 maternity cash benefit up to £100 a child, home nursing up to £3,000, private ambulance up to £60 a trip, parental accommodation for children under 12, NHS hospital cash £50 a day or night

£100, £250, £500 or £1000

Group policies &#45 25% of premium goes towards cost of following year&#39s premium if no claim is made, individual policies &#45 25%-100% of premium goes towards cost of following year&#39s premium if no claim is made

Commission: Individual policies &#45 Initial 25%, renewal 5%, group policies &#45 initial 15%, renewal 5%

Tel: 0845 300 3483

PruHealth is a private medical insurance policy that gives policyholders a percentage of their premium back if they make no claim. The amount they get back depends on the efforts people make to stay healthy. This operates through the awarding of vitality points which can be earned for managing weight, stopping smoking and going for screenings.

Berwick Devoil Healthcare managing director Guy Jones thinks the product compares well with other policies in the market. He says: “We compared the individual basic premiums to several other insurers and they are competitive. When you add the discounts based on lifestyle the differential is significant.”

Jones likes the product&#39s simplicity and straightforward approach. He says: “I like the links between premium and taking better care of oneself. We have also been impressed with the web site and the individual quote facility. The questions asked when quoting are ones that everyone should be able to answer without too much trouble. But IFA&#39s will have to add some additional questions to their fact find to ensure they get the most appropriate discount for their clients. If they do not ask these questions and someone else does, or the client goes online to get a quotation directly, the premiums will differ.”

Jones says: “Anyone who has worked with PMI will find this policy easier to work with than Bupa&#39s heartbeat or Axa Ppp&#39s PDQ.” However, he feels IFAs who have not specialised in health insurance will not find this product any easier.

Considering the lifestyle aspect of the product Jones says: “The is not a new idea as discounts for non-smokers have been available for several years. However, PruHealth is the first to link premiums and renewal premiums to ongoing life style management.”

However, on the down side, Jones says: “It is unclear how the discount eligibility will be policed. I would be concerned over the affect this might have on claims in years to come if it were found out that the client had not met their obligations regarding the blood pressure monitoring or had taken smoking up.”

In conclusion Jones says: “The best time to take out this policy will be in the first quarter of the new year as we all make resolutions to quit smoking, eat more healthily and do more exercise. At this time we can all get better discounts than later in the year.”


Suitability to market: Good
Flexibility: Average
Premium rates: Good
Adviser remuneration: Average

Overall 8/10


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