Cheapest health Insurance @ Pru Health - HotUKDeals
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Cheapest health Insurance @ Pru Health £75.00

pcpeterslondonrd Avatar
9y, 1m agoFound 9 years, 1 month ago
This may help some but not others.Got my Quote turned out over £100 cheaper than anyone else for same cover.

JUST SOME DETAILS BELOW.
From £75 upwards
depending on your age ect

The benefits from PruHealth include:
* Were offering as much as 30% off the first year premium just answer a few simple questions
* We will give a no claims bonus of 25% of this years premium towards the cost of next years cover.
* By fully engaging in our Vitality programme and making a sustained effort to actively look after your health, this saving could increase to 50%, 75% or even 100%.
* Cover available at all accredited UK private hospitals.
* A trained nurse can help with any claims
* Our policy is to settle bills directly with the hospital wherever possible
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pcpeterslondonrd Avatar
9y, 1m agoFound 9 years, 1 month ago
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#1
Voted Cold because of the vagueness of the description. It is a difficult product to describe and fully explain. The LEVEL of COVER is very important, this is one of those things where you get what you paid for.

Always look at the "out patient" treatment when looking into healthcare cover and the cost for the following years, and also if you make a claim, what happens to your premium next year.

Just a simple smmary but the health insurance industry is geared towards the treatment of "NEW CONDITIONS". If you have pre-existing conditions or Chronic illnesses like diabetes check and reconfirm coverage if any before committing.

Just my tips. Its a big decision and a more long term investment.
#2
Please go for a quote before voting cold,as stated this will help some but not all.
#3
Added merchant name to title... please remember to include :)
1 Like #4
[SIZE=2]It is very good offer. You can earn vitality points by fitting pedometer, going to free health checks etc. And if you earn enough and don't claim, then you get that year's premium subtracted from the next years.[/SIZE]

[SIZE=2]For example, if the premium is £50 a month, and if next year's premium is £54 a month, then with enough points and no claims, you'll be paying around £4 (£54-50) a month.[/SIZE]

[SIZE=2]If you claim, then back to the original price (£50 or whatever) + 15%. If you have enough points then just the original price.[/SIZE]

[SIZE=2]There's different plans to choose from with different excesses.[/SIZE]
[SIZE=2]It is great if you plan to go NHS, but to have it just incase NHS has a long waiting list.[/SIZE]

[SIZE=2]There's 30% off premiums for the first year (and £85 quidco), and if you go via www.bootshealthinsurance.com , then there's 50% off premiums (offer ends 31st Oct).[/SIZE]
[SIZE=2][/SIZE]
[SIZE=2]Voted Hot. [/SIZE]
[SIZE=2]There's gym savings to be had as well. [/SIZE]
#5
jak
Voted Cold because of the vagueness of the description. It is a difficult product to describe and fully explain. The LEVEL of COVER is very important, this is one of those things where you get what you paid for.

Always look at the "out patient" treatment when looking into healthcare cover and the cost for the following years, and also if you make a claim, what happens to your premium next year.

Just a simple smmary but the health insurance industry is geared towards the treatment of "NEW CONDITIONS". If you have pre-existing conditions or Chronic illnesses like diabetes check and reconfirm coverage if any before committing.

Just my tips. Its a big decision and a more long term investment.


Totally agree with you.
Also i may add insurance companies may not pay out full specialist, and hospital costs, even if your condition is covered.
i.e Pruhealth make this statement -
"PruHealth will pay service providers in full where charges are within the usual range for the services provided, as is reasonable and customary within UK private healthcare."

Each insurance company will have their own "Fee Schedule", this is the maximum they will pay out for a procedure, and each procedure will have its own fee.
Specialists do not have to conform to what an insurance company believes to be a 'resonable' fee, and the shortfall can be hundreds, even thousands of pounds for some procedures.

If considering Health Insurance compare these limits, as well as your core benefits and underwriting terms.

Here is a link to Norwich Unions Fee Schedule to give you an example of what i'm trying to explain.
http://www.norwichunion.com/healthcare-online-fee-schedule/list-of-medical-procedures.htm

Health insurance is a very serious investment to make, with too many important factors to consider for others to recommend as a hot deal.
It is an investment that your life could depend upon, thus my reason for voting cold.
#6
PLease dont vote cold until you have read there web site and see what you are getting for your money,or may not be getting.
#7
If you go to gym for at least twice a week, then after 3 months (£25 activation fee + £25/month for 3 month at participating gym), your gym fee will be free. It's worth it for gym alone:thumbsup:
#8
Quaver
If you go to gym for at least twice a week, then after 3 months (£25 activation fee + £25/month for 3 month at participating gym), your gym fee will be free. It's worth it for gym alone:thumbsup:


Yes, that's what I've been considering to do for the last couple months but procrastinated for too long and Quidco no longer offer £115 cashback but have reduced it to £85 which is still good but I feel like I'm getting a raw deal due to the £30 reduction.

That's a great tip to go through Bootshealthinsurance section to get 50% off the price of health insurance but what kind of Quidco cashback would you receive for going through?
I take it you're not going through Pruhealth directly, so you won't be entitled to the £85 cashback but instead, you'll receive 3.5% Quidco Boots cashback plus 4% Boots points and an additional £10 worth of Boots points, is that right?

Rep for the advice given to you mate, that's excellent value for the gym membership and I'm glad I procrastinated for once..... see..... good things do come to those who wait. :giggle:

EDIT: I've just blagged that I don't smoke on the quote and that I don't want to be treated in any London hospitals (because I don't care about the health insurace) and I've also raised the excess level to £1000 which seems they're offering it to me for £13.70 per month with 25% discount the following year.
So this means if I attend the gym twice a week or more and pay the initial set up costs of £100 for the first 3 months, a whole years gym membership will workout only £22 per month plus Boots points and Quidco, which is fantastic considering the gym I want to go to were talking about more than double that price without the health insurance. :D

From my understanding as well, I won't have to pay any gym fees for the following year (I believe they have a 5 year contract with the gyms) and I'll also receive 25% discount of health insurance, so my gym membership will work out just over £10 a month. :)

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