Medical Insurance Cost Cutting Plan Article Discussion Area

The-mouth-of-the-south wrote: »

Also with the Pruhealth cover I notice it mentions about mental health

This is an interesting point. I assume that you're referring to PruHealth's fixed two-year moratorium, which is not available to anyone who has ever suffered with mental illness.

I can confirm that this does include minor cases of depression. So, if an applicant was once diagnosed with acute depression after a family bereavement, for example, they wouldn't be eligible to enrol on PruHealth's moratorium.

As to your broader query, you need to take specialist advice from a PMI broker. Commenting on your specific medical circumstances would constitute providing advice, which is regulated activity.

Shaneob78 wrote: »

Does anyone know if any of those deals which included discounted gym membership at selected gyms still exists?

It used to reward you with a cheaper monthly premium the more times you went to the gym.

PruHealth have scaled back their gym offer, but their members still benefit from a 25% discount at selected gyms. Aviva also offer gym discounts—up to 40%, depending on the chain.

You can earn 'Vitality' points with PruHealth by demonstrating your general health and fitness by a variety of means, including gym exercise. This provides the opportunity to earn up to 25% off the following year's premium.

Aviva's 'MyHealthCounts' initiative can provide a discount of up to 15%, but it's based on general health indicators (weight, blood pressure, etc.), rather than logging hours at the gym.

I hope this helps. Please take specialist advice if you're looking to arrange a private medical insurance policy.

Quentin wrote: »

And beware any pms you get from a rogue broker offering you any deals to give him your business!

Quentin: I hope that's not directed at me.

Quentin wrote: »

My post was intended to compliment yours (74)

Fair enough.

It has only recently become apparent to me that the silver surfer has been touting for business on these boards. I have defended him from such accusations in the past (sometimes vigorously) and I now feel foolish for having done so. Mea culpa.

Quentin wrote: »

He does as well use alter egos here so we should all be careful of health insurance brokers trying to pm us!

Steady on old chap—there's no need for insinuation. If you have a look through the silver surfer's posts, you'll notice that his language, sentence structure, grammar and punctuation are completely different from mine.

Quentin wrote: »

You and he do seem to operate a mutual support team!!

Originally, I felt compelled to defend the silver surfer because I felt that he was offering good 'advice' and getting a rough deal in return. I didn't know at the time that he was using multiple identities and offering kickbacks to tempt prospective clients. Again, mea culpa. I've made my feelings known to the silver surfer.