Medical Insurance Cost Cutting Plan Article Discussion Area

Brize

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

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.

Thanks in advance.....

S

Brize

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

Brize wrote: »

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

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

Brize

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

Why? You been sending some junk mail too? If so, forwarned is forearmed!

My post was intended to compliment yours (74)

Brize

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

Brize wrote: »

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.

You and he do seem to operate a mutual support team!! As we have seen previously, and shown here in The silver surfer's response to his latest reprimand for bringing his profession into disrepute:

The_silver_surfer wrote: »

Appologies post deleted. Trying to be helpfull but perhaps went a bit far.

I recommend the OP takes the advice of Brize above.

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

(Presumably this is something you'd agree with wholeheartedly)

Brize

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.

lazyboy7

PruHealth have moved the goalposts.

I have been with them for nearly five years as a Platinum member and enjoyed very low premiums, very cheap gym membership (£15 per month in London) and other benefits.

I will not renew for a sixth year, because under the new rules my gym membership fees have increased more than fourfold; the 100% no claims rebate has been reduced to a maximum of 35% for a Platinum member; the cost of an annual screen has increased tenfold; and it is vastly more difficult now to achieve Platinum status than it used to be.

Under the original scheme rules it was a definite best buy for a healthy person who wanted to keep fit; now it is just another PMI policy.