Pru Health UK: It pays to be healthy

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Welcome to PruHealth

The Vitality rewards programme could include various activities, from:

Reading up on good nutrition via our online interactive tool
Having a flu jab
Regularly attending a partner gym

The more Vitality points members earn, the higher the Vitality status. Every new member starts on Bronze status and has the opportunity to increase their status to Silver, Gold and Platinum.

PruHealth is the award-winning health insurer that recognises and rewards healthy behaviour with lower premiums. With the PruHealth Vitality programme, everyone can benefit from a healthier lifestyle. Doing a few simple things, like eating well and exercising, members are able to lower their premium when they come to renew their health insurance policy. Doing these things could even increase their discount on Mark Warner holidays, Champneys Health Resorts and Eurostar travel.

Health insurance savings

PruHealth - how it works

When you get a quote from PruHealth, you will be asked the age and 5 simple lifestyle questions about the members on the policy. Your answers could save you up to 25% on your first year's premium.

With the Vitality programme, everyone can benefit from a healthier lifestyle. Do a few simple things, like eating well and taking a bit more exercise, and you could lower your premium when you come to renew your health insurance policy. The more Vitality points you earn the higher your Vitality status. Increase your status from Bronze where everyone starts, to Silver, Gold and with enough effort Platinum. The more you do to look after yourself, the higher your status will become and the greater the discounts you could receive to help you lead a healthier lifestyle.

Start building up your Vitality points by joining PruHealth!

It Pays to be Healthy

Guaranteed 25% no claims bonus of this year's premium towards next year's renewal. Every year you will get a guaranteed no claims bonus of 25% of the current year's premium towards the cost of the next year's cover.

The more you do to look after yourself, the higher your status will become and the greater the discounts you could receive to help you lead a healthier lifestyle. In each policy year you can earn Vitality points within 5 categories: Education, Nutrition, Not smoking, Screening, and Exercise.

Healthly Living Rewards

Save up to 25% off your premium in the first year. The more points you earn throughout the year, the higher your Vitality status and the lower your premiums could be.

You could save money on the cost of your premium simply by looking after yourself. Just by making a few small changes to your lifestyle, such as getting some exercise or not smoking, could be enough to make substantial savings on your insurance premium. If you are already leading a healthy life, you could save money for just doing what you already do.

Vitality – Rewarding You For Healthy Living

PruHealth commends the efforts of UK citizens who are doing more to take care of their health. To help celebrate these efforts, PruHealth is the first and only health care cover provider to offer special price incentives for healthy living. The concept is simple; look after your health and PruHealth will reward you with Vitality Points that can add up in a big way. The Vitality programme offers substantial savings on yearly premiums for taking positive measure to sustain your health.

Areas of a Healthy Lifestyle – Make Improvements and Save!

Education
Nutrition
No smoking
Health screening
Exercise

PruHealth members are eligible to earn these points regardless of their starting situation.

Already healthy? Good for you! PruHealth wants to encourage you to continue on the right path and reward you for continuing your healthy ways.
Areas to Improve? We all have areas of our lives that can be improved and now you have even more reason to actively make those changes. PruHealth’s Vitality partners can help support you in your Vitality efforts.
Suffer from a chronic condition? PruHealth wants to encourage you to manage your condition and have the highest quality of health possible. Vitality offers special points (VitalityMed Programme) for those suffering from chronic conditions who adopt lifestyles that help them cope.

How Much Could You Save?

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 increase)	£64.94
Vitality status (% of Year 1 premium earned)	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

The example was calculated in June 2008. These are for illustration only and your actual premium will depend on your individual circumstances. Please note that 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.