WHY YOU’RE BETTER OFF

WITH PRUHEALTH

0800 092 6666

www.pruhealth.co.uk

PRUHB18346 11/2008

PruHealth is a trading name of Prudential Health Limited and Prudential Health Services Limited which are registered in England and Wales.
Registered Office: Laurence Pountney Hill, London, EC4R 0HH. Registered Numbers: 5051253 and 5933141 respectively. Prudential Health
Limited and Prudential Health Services Limited are authorised and regulated by the Financial Services Authority.

www.pruvitality.co.uk
 PruHealth provides health insurance with a difference.

We're committed to providing you with access to quality cover and the highest levels of care available.

But we’re also the only health insurance provider in the UK that rewards you for looking after yourself.

It’s as simple as that.

CONTENTS

Introduction – Cover 3

Start saving with PruHealth today 4

Choosing your cover 6

Our Vitality programme 8

How to join 14

What you're not covered for 14

Frequently asked questions 15

Glossary of terms 17

For more information please contact your Adviser

2

INTRODUCING PRUHEALTH –
THE COVER YOU DESERVE
Choice of plans
We know that the reason people buy PMI is
to ensure they are able to access high quality
services and care should they need it. We aim
to provide this with 3 plans, all offering excellent
cover designed to meet you and your family's
needs and budget.
Extensive coverage
You'll have easy access to one of the largest
collections of private hospitals in the UK, as well
as access to over 16,000 experienced and skilled
medical professionals. You can also choose to
receive treatment at any NHS hospital that offers
private wards or pay-bed facilities. Please see the
enclosed Hospital List to find your nearest hospital.
Expert care
If you do require treatment, you will receive the
support and reassurance you are likely to need
from us; all PruHealth claims are handled by
clinically trained staff. We aim to ensure you have
access to the highest standards of care and that
you are treated as quickly as possible.
IT PAYS TO BE HEALTHY
You could save money with us
on renewal when you do healthy
activities with our Vitality
partners, which include
Sainsbury's, eBay, Virgin Active,
Nuffield Health Fitness &
Wellbeing centres, LA Fitness,
Allen Carr's Easyway To Stop
Smoking and many more.
Many of our partners are
subsidised by us to give you
discounted rates, making it easier
for you to look after your health.
Keeping it simple
We make things as simple and fast as we can,
settling all your bills directly with specialists and
hospitals where possible, so you can focus on
getting better.
GP telephone service
If you've ever wanted to contact a GP at
any time, or any hour for your peace of
mind but are unable to find the time to visit a
surgery, you can use our GP telephone service.
This provides a free, confidential, private GP
telephone consultation service, 24 hours a day,
7 days a week. Your call is answered by an
experienced operator who will arrange an
appointment for a doctor to call you back
quickly at a convenient time for you.
Your choice of therapy
We also appreciate that you may want the choice
of using alternative therapies, such as acupuncture
and homeopathy, and we’re happy to offer some
of these as an option in our Comprehensive Plan.
3
 START SAVING WITH PRUHEALTH TODAY
Health insurance with a difference
With PruHealth you have the opportunity to manage the cost
of your premiums through our Vitality programme. Vitality
is our unique way of rewarding you for actively looking after
your health. There are four different Vitality status levels;
Bronze, Silver, Gold and Platinum. You can improve your status
by earning Vitality points. Read more about how the Vitality
programme works on Page 7.
Get up to 25% discount on your first year’s premium
When you join PruHealth you could save up to 25% on
your first year’s premium, just by answering a few simple
lifestyle questions. The healthier your lifestyle, the bigger
your discount will be.
Although your first year discount does not apply when you
renew, you could still save money at renewal, year on year
with our no claims bonus.
25% no claims bonus
If you don't claim you are guaranteed a bonus of 25%
of your current premium towards the cost of next year’s
cover. Even if you do make a claim, we could still give you
a percentage of your unclaimed premium back towards the
cost of next year's renewal.
Unclaimed premium is the difference between any premiums
paid (before any discounts or loadings) less any claims paid.
Plus significant savings for actively looking
after yourself
By fully engaging in our Vitality programme and making a
sustained effort to actively look after your health, if you don’t
claim we could increase your no claims bonus to 50%, 75% or
even 100% of this year's premium off the cost of next years
www.pruhealth.co.uk
4
cover. For example you could stop smoking, go to the gym
or just do more everyday exercise. The more effort you make,
the more you could save. You can earn Vitality points with
a wide range of Vitality partners including Sainsbury's,
Nuffield Health Fitness & Wellbeing centres, eBay, LA Fitness,
Virgin Active, Allen Carr's Easyway To Stop Smoking, Fitbug
and many more.
Save by choosing an excess
You can choose an excess amount on your policy, from £100,
£250, £500 and £1,000 to help lower the cost of your premium.
The excess applies to each individual on a policy but only
counts once in any policy year, regardless of the number of
claims you make within that year. Once you have paid your
excess all future claims will be paid during that policy year,
up to any limits set out in the Policy Document.
You can choose not to have an excess in which case PruHealth
will pay any eligible claims. Please note that an excess is not
available with our Core Plan.
The effect of large claims on your premiums
If you make a large claim (an amount that is larger than the
amount you paid in premiums before any discounts have been
applied), you will have an additional loading placed on to next
year's premium, but this will be no more than 15% and will only
apply for the following year.
In fact, if you are on Gold or Platinum Vitality status, you won't
have to pay the 15% additional charge at all, regardless of how
much you claim within that year. Please note that the premium
used for such a calculation is the amount due before any
Vitality discounts or charges.
 CATCH THE FITBUG
Fitbug is “your online personal
health and wellbeing coach” that
works using the “Bug” an accurate,
interactive pedometer. With Fitbug
everyone could earn points through
everyday activities such as walking
to work, playing golf, walking the
dog, jogging or hiking.

PruHealth Vitality Example – See how much you could save if you don't claim:

The following example is for a male aged 35 with an Essential Plan, £0 excess and National Hospital cover. It is
intended to illustrate the way our PruHealth Vitality rewards programme can affect your premium assuming no
claims are made. Actual premiums will depend on individual circumstances.

YEAR 1
Base monthly premium £57.98

Monthly first year discount of 25%

(the maximum is 25%) –£14.50

Monthly premium paid after discount £43.49

YEAR 2
Base monthly premium £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 is calculated as at June 2008 and assumes an 12% premium increase for medical and age inflation between years 1 and 2.
This increase is not guaranteed, it may be higher or lower than this amount.

5
 CHOOSING YOUR COVER
PruHealth offers you three types of great cover:
Core, Essential and Comprehensive. So whatever
your situation, you can select the cover you need
at an affordable price. The table opposite will help
you decide which plan best suits your needs.
Whatever level of cover you choose with us, you can
be assured of high standards of care:
■ We have access to experienced and skilled medical
professionals based throughout the UK to help you
return to health.
■ If you do need to be referred to a consultant, PruHealth
recognises over 16,000 consultants, all registered as
specialists with the General Medical Council, and 6,000
therapists. We also recognise many alternative and
complementary therapists.
■ For complex cases, we also have a team of nurses you can
call to support you through your treatment, who will liaise
with you, your hospital and your consultant when needed.
■ You can benefit from regular preventative care and early
diagnosis, thanks to screenings heavily subsidised
by PruHealth.
■ We provide high quality cover for many major ailments,
and are one of the few UK health insurers to offer full
cancer cover. We do not impose an overall limit on
treatment nor do we restrict cover for certain drug
therapies.
For more information please contact your Adviser
6
Our Plans
As standard, all of our plans offer complete peace of mind
by providing cover for UK hospitals and eligible specialist fees,
a choice of 3 hospitals lists, full cover for MRI, CT and PET
scans, full cover for cancer and parental accommodation
(if your child is a patient and 12 years old or under), as well
as a range of excess options.
The Core Plan
If you are primarily looking for the reassurance that all eligible
in-patient and day-case hospital treatment is covered and
are willing to pay the majority of out-patient costs yourself,
our Core Plan may be for you. This plan does not cover the
cost of any standalone out-patient treatment (with the
exception of MRI, CT and PET scans).
The Essential Plan
If you are looking for the reassurance that all eligible
inpatient treatment, day-case hospital treatment and out-
patient diagnostic tests are covered but are willing to pay
for some of the costs associated with out-patient treatment
(eg consultations) and other healthcare services, then our
Essential plan may be for you.
The Comprehensive Plan
With our Comprehensive plan we aim to provide the most
comprehensive private medical cover available in its class.
If you are looking for reassurance that all eligible in-patient
and day-case hospital treatment, outpatient treatment and
associated healthcare services are covered, then our
Comprehensive Plan is for you. This plan also includes cover
for complementary therapies such as osteopathy, chiropractic
treatment, acupuncture and homeopathy as well as full cover
for home nursing, outpatient physiotherapy and trips in a
private ambulance.

WHAT WE COVER
INPATIENT CARE
Hospital charges
Specialist/consultant fees
Diagnostic tests
Radiotherapy and chemotherapy
Psychiatric treatment
OUTPATIENT CARE
Consultations with specialists
MRI, CT, PET scans
Other diagnostic tests
Physiotherapy
Chiropractic/osteopathy
Radiotherapy and chemotherapy
Psychiatric treatment
OTHER CARE
Alternative therapies
Maternity cash benefit
Nursing at home
Private ambulance
Parental accommodation
NHS cash benefit
*Treatment following and directly related to a hospital admission. The combined limit amount indicated applies to all treatments paid from these
benefits in a policy year.
Please note:
As with all private health insurance providers, we have some standard exclusions that affect all of our plans. Please see Page 10 for examples.
PruHealth will pay service providers in full where charges are within the range that is usual for the services provided as is reasonable and customary
within UK private healthcare.
YOU’RE BETTER OFF WHEN
YOU RELAX
As a PruHealth Member you can
enjoy discounts at the luxury
Champneys Health Resorts, where
you can escape everyday stress and
relax. For more information please
contact your adviser.
CORE PLAN ESSENTIAL PLAN COMPREHENSIVE PLAN
✔ ✔ ✔
✔ ✔ ✔
✔ ✔ ✔
✔ ✔ ✔
✘ ✘ 45 days per policy year
Combined limit £600 per policy year* Combined limit £600 per policy year ✔
✔ ✔ ✔
Combined limit £600 per policy year ✔ ✔
Combined limit £600 per policy year* Combined limit £600 per policy year ✔
Combined limit £600 per policy year* Combined limit £600 per policy year Limit of £800 per policy year
✔ ✔ ✔
✘ Combined limit £600 per policy year ✔
✘ ✘ Limit of £600 per policy year
£100 per child £100 per child £100 per child
£3,000 limit £3,000 limit ✔
£60 per trip £60 per trip ✔
1 parent for children 12 and under 1 parent for children 12 and under 1 parent for children 12 and under
£50 per day case or night stay £50 per day case or night stay £100 per day case or night stay
Limit of £2,000 per policy year Limit of £2,000 per policy year Limit of £2,000 per policy year
7
 OUR VITALITY PROGRAMME
Vitality
Vitality is designed to encourage you to lead a healthy lifestyle
and rewards you for the healthy activities you do every day.
We realise that the healthier you are the less likely you are
to make a claim, so everyone wins.
We’re not asking you to be fitness fanatics or anything like
that. Everyday things like walking, eating healthily or telling
us that you don’t smoke, could help you get rewards.
www.pruhealth.co.uk
8
How does it work?
For certain healthy activities that you take part in, we'll give you
Vitality points. These in turn increase your Vitality status from
Bronze to Silver – and with enough effort, you can reach Gold
or Platinum. The more points you get, the higher your status
becomes and the greater the discounts you'll have through
our Vitality partners.
We have a wide range of Vitality partners because we believe
that healthy living should not only be affordable but involve
treating yourself from time to time, too. After all, everyone
needs a little extra motivation. And the higher your status
the greater your savings with our Vitality partners.
It’s this simple:
■ Live a healthy lifestyle
■ Earn Vitality points
■ Improve Vitality status
■ Get great discounts
■ Receive rewards
There are lots of ways to earn points, many of them either
free to participate in or available at PruHealth subsidised rates
through our Vitality partners. You can even earn points for
managing a chronic condition with our VitalityMed programme.
Go to www.pruvitality.co.uk to find out more about Vitality,
the activities you can earn points for and any limits that apply.
 YOU’RE BETTER OFF WHEN YOU
EAT HEALTHILY
Already trying to eat your 5 a day?
We’ll reward you with Vitality points
when you buy fresh fruit and veg
at Sainsbury’s. It pays to be good
to yourself.

SAVINGS WITH
VITALITY PARTNERS
Keeping healthy doesn’t have to be expensive. At PruHealth we try to support any efforts you make to look after yourself.
To make it easier for you to do so, we have arranged some valuable Member discounts, and with many of our Vitality partners
you can also earn Vitality points.

PruHealth PruHealth
Partner Retail Price Information
Bronze Price Platinum Price
POINTS EARNERS
Fitbug (pedometer) £84 £15 £15 first year
Polar £144.50 £65 £65 CS300 version
DISCOUNTS
Nuffield Health Fitness £876 £625 £121 Wandsworth – inside M25
& Wellbeing * <
LA Fitness ** < £696 £625 £121 Bayswater – inside M25
Virgin Active *** < £924 £709 £205 Hammersmith – Tier 2
Nuffield Health £570 £375 £75 Vi6 male
£595 £375 £75 Vi6 female
£415 £250 £25 Vi5 male
£440 £250 £25 Vi5 female
£260 £160 £15 Vi3 female
£210 £160 £15 Vi4
roadtohealth £59 £25 £25 Full assessment
The Diagnostic Clinic £500 £250 £25 Full screen
Allan Carr's Easyway £220 £49 £49 3 sessions if required
to Stop Smoking
TREATS #
per person per night, standard
Champneys ^ £219 £80 £40 single room rate
Cineworld ~ £144 £90 £25 Unlimited yearly film pass
Eurostar ^^ £150 £75 £10 Return trip standard class
Mark Warner > £2,000 £1,900 £1,200 Average family holiday for 4

Rates shown are examples of current offers as at June 2008. PruHealth subsidises its Member rates.
* Rate shown is an example based on an annual peak membership at Nuffield Health Fitness & Wellbeing centres, Wandsworth
(£73 per month)
** Rate shown is an example based on an annual peak membership at LA Fitness, Bayswater (£58 per month)
*** Rate shown is an example based on an annual peak membership at Virgin Active, Hammersmith (£77 per month)
< Rate shown includes one-off activation fee of £25 and is based on standard membership, where a member is on the same status
for a full 12 months
# No Vitality points are earned for the following “Treat” activities
^ Rate shown is based on one person spending a Friday night at Henlow, at the single room rate
~ Unlimited film pass (exc West End)
^^ Maximum of 3 Eurostar trips per year. Subject to availability
> A deposit of £150 must be made at time of booking (£300 for some destinations)

9
 HEALTH PARTNERS

■ Partnership with Fitbug (an interactive Target steps 10,000 -

12,500 +
pedometer) per day 12,499

■ Steps are monitored by uploading results

Vitality points 5 10
at least every two weeks
■ A £15 one off payment for PruHealth members Exercise category – max point/year –
(Comparable retail price of £84) Individual – 1500 family – 3000

■ With Active Europe members can earn Vitality Activities 1 star event 2 star event
points for participating in organised sporting events
■ Earn points for completing any national or
Vitality points 50 100
international sporting event with published results
■ Members only pay the Vitality subsidised annual Exercise category – max point/year –
administration fee of £10 Individual – 1500 family – 3000

■ Polar Heart Rate Computers can be worn during 30 min at 30 min

Exercise
60% MHR at 70% MHR
fitness sessions. Members will soon be able
to upload data online to record exercise and
earn points Vitality points 5 10

■ Members can buy them with an average

Exercise category – max point/year –
50% discount available to all members Individual – 1500 family – 3000

Exercise Per £5+ purchase

■ Members can earn points when they buy
eligible sporting goods on eBay
Vitality points 40
■ Annual maximum points apply – 120 for
individuals and 240 for families.
Exercise category – max point/year –
Individual – 1500 family – 3000

For full details about Vitality partners, Vitality points, category limits and prices please visit pruvitality.co.uk or speak to your adviser.

For more information please contact your adviser

10
 Per £2 spent
■ Members can earn Vitality points for buying
their fresh fruit and vegetables at Sainsbury’s
Vitality points 1
■ Members register their Nectar card on
PruHealth Member Zone
Nutrition category – max point/year –
Individual – 1000 family – 2000

■ Members can attend an Allen Carr's Easyway Attending a session

To Stop Smoking course to earn Vitality points
■ Allen Carr's Easyway To Stop Smoking uses a
Vitality points 150
combination of psychotherapy and hypnotherapy
■ PruHealth members pay just £49 Not-Smoking category – max point/year –
(Retail Price £ 220) Individual – 200 family – 400

■ Members can earn points for discounted basic Full Basic

and full screens at our screening partners.
■ Discounts increase as Status increases.
Vitality points 400 200
■ For example – full Vi5 female screen at Nuffield
would be £250 for a Bronze member and £100 Screening category – max point/year –
for a Gold member (retail price) £440 Individual – 1200 family – 2400

For full details about Vitality partners, Vitality points, category limits and prices please visit pruvitality.co.uk or speak to your adviser.

11
 REWARD PARTNERS

Bronze Silver Gold Platinum

■ Return trips to Paris, Lille or Brussels
(3/year) Standard
£75 £50 £25 £10
Price
■ Average retail £150
Leisure select supplement – Additional £55

Bronze Silver Gold Platinum

■ Unlimited annual card allows
cardholders to access any film, any
day, any time at any of the 74 cinemas Unlimited
£90 £60 £40 £25
Price
■ Retail – £143.88
(£179.88 incl West End)
West End £110 £80 £60 £45

Bronze Silver Gold Platinum

■ Mark Warner provide holidays to
a range of beach and ski resorts Discount 5% 10% 20% 40%
■ Maximum 6 people per booking
non-members – 5% discount

■ Discounts on stays at Champneys Bronze Silver Gold Platinum

health resorts
Standard
■ Includes a 25 minute body massage single £80 £70 £55 £40
room
■ Retail price for standard single room –
£219 per person per night Tring supplement: £25 per person. Saturday night
supplement: £30 per person.

■ Members can earn bonus nectar points

on their fresh fruit and veg spend at Bronze Silver Gold Platinum
Sainsbury’s
■ Up to a maximum spend of £20/week Bonus
for Individual and £40/week for Nectar
0 10 20 30
families points/
£2 spent

For full details about Vitality partners and prices please visit pruvitality.co.uk or speak to your adviser.

www.pruhealth.co.uk
12
VITALITY GYM MEMBERSHIP

If you’re making an effort to lead a healthy lifestyle we
believe you’re likely to live longer and make fewer claims.
So we think its only fair that we should help you pay less
for your gym membership.
As a PruHealth member you’ll have access to unparalleled gym
coverage with 224 gyms available throughout the country.
The monthly membership fee you pay will be dependent
on your Vitality status and the gym you choose.

Bronze Silver Gold Platinum

Nuffield Single club membership (outside M25) £42 £30 £14 £0
Health Single club (inside M25) £50 £38 £22 £8
Fitness & Multi standard club membership £62 £50 £34 £20
Wellbeing* All clubs (inc City membership) £67 £55 £39 £25
Single club membership (outside M25) £42 £30 £14 £0
Single club (inside M25) £50 £38 £22 £8
LA Fitness
Multi standard club membership £62 £50 £34 £20
All clubs (inc South Ken membership) £67 £55 £39 £25
Standard Tier 1 club membership £50 £38 £22 £8
Standard Tier 2 club membership £57 £45 £29 £15
Virgin Active Multi standard club membership £67 £55 £39 £25
London classic clubs / Tier 3 membership £92 £80 £64 £50
All clubs membership £107 £95 £79 £65

* Formerly Cannons Health Clubs

13
 JOINING IS EASY

How we assess your application Just four more questions

What usually happens when people apply for private health As you know, all we had to do in order to work out your quote
insurance is that they have to answer a long list of intimate was to ask you five simple questions about your lifestyle. We will
questions about their medical history. also ask you just four questions in order to assess your current
state of health and whether any pre-existing conditions need
We know that many people find this process intrusive and
to be excluded. Don’t worry, your answers won’t affect the
confusing. It’s also unfair in two respects. Firstly, it takes no
premium we’ve quoted you. Please answer all the questions
account of the individual’s efforts to improve their health.
honestly and in full, as any incorrect information may mean
Secondly, it tends to deny cover for existing conditions or
that we will not pay a future claim.
load premiums, regardless of the individual’s lifestyle and
how they look after themselves.
Switching is easy
To make our application process simpler, quicker and fairer,
Don’t worry either about switching to PruHealth from
we’ve decided that in most cases we really don’t need to know
another health insurer if you have an existing medical
every last detail of your medical history. We’re just as interested
condition. As long as it is being well managed, it may
in the steps you’re taking to keep yourself fit and healthy.
not necessarily result in an exclusion being applied.

Please contact your adviser to

arrange your cover

WHAT YOU'RE NOT COVERED FOR

As with many private medical insurance schemes, there are ■ Fertility, infertility and menopause-related treatment.
■
some standard treatments and conditions that PruHealth Plans Experimental, unproven or unregistered treatment or practices.
do not cover. For example:
■ Treatment related to developmental problems, learning
■ Any regular monitoring or treatment of chronic conditions.
difficulties, or delayed speech disorders.
Examples of chronic conditions include diabetes, HIV/AIDS
■ Dentistry.
and allergies.
■
■
Refractive eye surgery and optometry.
Any treatment received outside the UK.
If you joined PruHealth under “moratorium underwriting”,
■ Emergency treatment or visits to your GP.
conditions which existed up to five years before the start of
■ Pregnancy and childbirth.
cover, may be excluded from cover in the first two years of
■ Self-inflicted injuries. your Plan.
■ Cosmetic treatment. For other types of underwriting, any conditions excluded
■ Organ transplants. will be explicitly stated at the start of each policy year.
Please read the “Underwriting” section within the Policy
■ Medication and dressings (except when administered
Document for full information.
during hospital admissions).

For more information please contact your adviser

14
FREQUENTLY ASKED QUESTIONS

1. How is my basic premium calculated?
We calculate the basic cost of your cover, which is your
premium before any discounts or loadings, by taking into
account your plan, excess and hospital choice, as well as age
and gender.
2. Do I have a choice of hospitals?
Yes. As a PruHealth member you'll have access to one of the
largest networks of private hospitals in the UK. There are three
hospital packages to choose with your plan.
■ National – cover at all private hospitals outside of London
■ London – cover at all private national hospitals and 23
London hospitals
■ Premier – cover at all private national, 23 London and
an additional 3 Premier hospitals
In addition, you can have treatment at any NHS hospital that
offers private wards or pay-bed facilities. Please see the
enclosed Hospital List for more details.
Under certain circumstances pre-existing conditions may
be covered.
■ Under Moratorium Underwriting, any condition or related
conditions you have had in the five years before the start
of your plan will be excluded from cover for two years.
This includes any conditions for which you have received
medical treatment and advice, had any symptoms of,
or were aware existed. However, pre-existing medical
conditions may become eligible for benefit after the two
years since the start of your policy, even if they have
reoccurred in that two-year period.
■ Under Full Medical Underwriting, you may be excluded
from cover for any condition specified by our underwriters
which existed prior to joining PruHealth. Your eligibility for
cover of a pre-existing condition will be assessed at the time
of application.
Payment for any treatment is still subject to the terms within
the Policy Document.

6. How does my Vitality status help me reduce

3. What happens if I don’t make a claim?
my premiums?
If you do not make a claim we will give you 25% of your
current premium to put towards the cost of your next year’s Participating in Vitality activities is how you make the most
cover. This percentage may increase depending on your of being a PruHealth member. You can earn Vitality points for
Vitality status. completing Vitality activities and these points help you move
to higher status levels of membership, which in turn entitle
you to even greater rewards.
4. What happens if I make a small claim?
At the end of each policy year, you could have a percentage
We will give you a percentage of the unclaimed premium as
of this year’s premium deducted from the cost of your renewal
discount of the cost of next year's premium. This discount is
premium for the following year. We will put at least 25% of
in accordance with your Vitality status, and so would be 25%,
your premium towards next year’s cost if you don’t make a
50%, 75% or even 100% of your unclaimed premium off the
claim. By engaging in our Vitality programme you could
cost of next year's cover.
increase this to 50%, 75% or even 100%. All new members
start at Bronze level and the table on the next page shows
5. What if I have a pre-existing condition? how you can move to the next status levels.
PruHealth private health insurance policies are intended to
cover the costs of treating medical conditions that arise after
the date you join. Like most private health insurance policies,
they are not intended to cover medical conditions that you
may already have had before your policy started. These are
known as pre-existing conditions.

15
 Here are two examples we have created to show how the The table below shows the Vitality points that need to
Vitality programme might work in practice, for people we be earned in a year to increase your Vitality status and
have called “the Baxter family”. potential rewards. The more effort you make the more
points you can earn.
How Emily Baxter could get to Silver status and
POINTS POINTS
achieve a 50% no claims bonus REQUIRED REQUIRED
NO CLAIMS
STATUS LEVEL PREMIUM
Emily is 56 and recently retired from her job as a medical (SINGLE (FAMILY
REWARD %
MEMBERSHIP) MEMBERSHIP)
receptionist. She likes to stay fit and healthy and enjoys
Bronze 0 0 25%
being active.
Silver 1,000 1,500 50%
Emily wanted the security of private health insurance but was Gold 1,500 2,250 75%
concerned that, because of her age, the premiums would be Platinum 2,000 3,000 100%

too high. So she was delighted when her son Simon told her
The following are examples of how you could reach Silver and
about PruHealth's Vitality programme.
Gold Vitality status based on single membership.
Since Emily joined PruHealth, she has been able to have a
WHAT ADDITIONAL ACTIVITY WOULD I NEED TO DO TO REACH
mammogram screening at a reduced rate. She has also had SILVER STATUS? (50% REWARD)
two free fitness assessments, has used the Fitbug pedometer, VITALITY ACTIVITY VITALITY POINTS
as well as having a test for glaucoma and a flu vaccination. Use Fitbug (pedometer) once a
260
She is a non-smoker and a keen rambler, walking most fortnight to reach target steps

weekends in the Lake District. All of these activities will Gym workout once a week 520

earn Emily 50% of her unclaimed premium which we will Be a non-smoker 150

put towards the cost of her next year's cover. Have one free fitness assessment 300
Total 1,230

How Simon Baxter could get to Platinum status and

THEN WHAT ADDITIONAL ACTIVITY WOULD I NEED TO DO TO
achieve a 100% no claims bonus
REACH GOLD STATUS? (75% REWARD)
Simon is 36 years old and is Emily's eldest son. He makes sure
VITALITY ACTIVITY VITALITY POINTS
that he goes for regular screens relevant for his age, such as a Create two healthy meal plans
100
cholesterol check, and has an annual flu vaccination. He also on the PruHealth Member Zone
ensures that his children, Tom, Maisie and Louise, have regular Read two self-help articles
on the PruHealth Member 240
dental and medical check-ups.
Zone each month
He benefits from being a non-smoker, and through regular Total 340
fitness assessments he can show that his participation in club Overall total 1,570

squash is improving his fitness. Membership of his local Virgin

FINALLY, HOW CAN I INCREASE THIS TO REACH
Active club allows Simon to swim once a fortnight, though PLATINUM STATUS? (100% REWARD)
running round after three young children also helps him keep
VITALITY ACTIVITY VITALITY POINTS
active. He uses the PruHealth online Member Zone to plan his 400
Have two Basic health screens
diet, monitor sources of stress and read online articles on Have a flu vaccination 100
health and lifestyle. Total 500

This level of activity would be sufficient to earn Simon 100% of Overall Total 2,070

his unclaimed premium, which we will put towards the cost of

his next year’s cover.

www.pruhealth.co.uk
16
GLOSSARY OF TERMS

Cancer Diagnosis Radiology tests

Any malignant growth or tumour caused
by abnormal and uncontrolled cell
division which may spread locally or
to distant parts of the body.
Chemotherapy
The treatment of malignant diseases with
chemical agents.
Chronic conditions
A disease, illness or injury which has at
least one of the following characteristics:
a) continues indefinitely and has no
known cure.
b) comes back or is likely to come back.
The process of identifying or determining
the nature and cause of a disease or
injury through the evaluation of a
patient’s history, examination and
review of laboratory data.
Diagnostic tests
Investigations, such as X-ray or blood
tests, to find or to help determine the
nature and the cause of someone’s
symptoms.
Exclusions
Conditions and treatments not covered
by your policy.
The diagnosis of disease and injury
using X-rays.
Radiotherapy
The treatment of malignant disease by
using X-rays or gamma rays.
Refractive eye surgery
A surgical procedure in which incisions
are made to change the shape of the
cornea, to correct long- or short-
sightedness.

c) is permanent. MRI scan

d) means you need to undergo
rehabilitation or be specially trained
to cope with it.
e) needs long-term monitoring,
consultations, check-ups,
examinations, or tests.
CT scan
(Computerised Tomography)
A diagnostic technique that provides
cross-sectional images of body structures
using a thin X-ray beam which rotates
around the patient and a computer to
construct an image.
(Magnetic Resonance Imaging)
A diagnostic technique that provides
cross-sectional images of body structures
using magnets and radio frequency
waves and a computer to construct
the image.
PET scan
(Positron Emission Tomography)
A diagnostic technique that uses
an injected radioactive substance to
examine the metabolic activity of various
body structures and a computer to
construct the image.

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 NOTES

For more information please contact your Adviser

18