Changes to PruHealth Individual product.
Below is a list of the changes we will be making for new and renewing business on 1 January 2010. Please read the product
developments brochure for full details of all changes.
Plan design
Our hospitals
Outpatient (OP)
diagnostics
Psychiatric
Core plan
Select plan
Individual plans
Risk Management
Moratorium underwriting
FMU
Individual new business
pricing
Individual renewal pricing
Vitality
Status thresholds
Category limits
Screening and fitness
assessment points
Gym partner pricing
Screening partner pricing
Pro-rating
Carry over points at
renewal
For Adviser use only
Existing
n 3 geographically based hospital lists
n Out of list co-payment – 20%
n Scans – covered
n Other tests – covered
n IP – day limit
n OP – financial limit accumulates to OP limit
n £0 compulsory excess
n £250 compulsory excess
n Comprehensive, Select, Essential and Core
n Flat 5-2
n Available for applicants up to the age of 70
n 4 questions
n Vitality Starter Discount of up to 25%
n 25-100% of unclaimed premium offset against
renewal premium
n Individual points thresholds and families points
thresholds: Silver 1,000; Gold 1,500; Platinum
2,000 (family 1.5 times individual threshold)
n Annual category limits for exercise, screening,
not smoking, education and nutrition
n Attendance points for basic screen, full screen,
fitness assessment and fitness improvement points
n Variable based on status
n Variable based on status
n Points threshold pro-rated for mid-year joiners
n Percentage of points dependent on number of
policy years
Change
n 3 existing lists amended and new restricted list
called Local
n Out of list co-payment – 40%
n Scans covered within hospital list
n Other tests – cover accumulates to combined
OP limit
n IP – financial limit
n OP – financial limit
n 1 overall Psychiatric limit
n £0 or £250 excess
n £0 or £250 excess
n Comprehensive, Select, Core and new Value plan
n Essential plan no longer available
n Flat 5-2
n Available for applicants up to the age of 60
n Dread disease exclusion
n Revised 5 questions
n Additional discount for FMU business
n VSD removed
n No Claims Discount (NCD) band model introduced
n Move up or down No Claims Discount bands
n Separate cash back reward or premium offset
based on Vitality status
n Thresholds for policies based on number of
adults in the policy: Silver 800; Gold 1,600;
Platinum 2,400
n Category limits removed. Weekly limit for exercise
(40 per week).
n Points no longer awarded for attendance.
n Separate points for having variety of clinical
indicators measured and then for achieving
'healthy' status result or improving a previously
unhealthy result
n Flat 25% off standard retail prices
PRUHM19107 09/2009
n Flat 50% off standard retail prices
n Points thresholds set regardless of joining date
n Flat 10% each year