Pruhealth & Virgin Active

userdefinable

I've never been a gym goer as I've always worked out at home using p90x, Insanity and similar. However, 2 years of doing that fairly relentlessly has ruined my knees. Now I need to do something lower impact for the forseeable. Though the idea of gym and machines doesnt really appeal, swimming does.

The nearest pool to me is at a Virgin Active gym which is:

£64 a month (12 month contract no joining fee)

I know I seem to have missed the boat on the PruHealth free gym but they still do 50% off with "vitality plus". This is off the flexi fee (not the above 12 months contract) so it's £35.50 per month.

On "active quote" website the PruHealth for me is £27.29 (thats with maximum excess and nothing but mandatory and vitality plus).

So that would work out as £62.79

Not an amazing saving but I'm interested in the cashback. Does anyone understand it?

Apparently as a non-smoker I can get 10-15% and your account starts with maximum no claims (so 65%). I never intend to claim as I'm happy with NHS, does this mean I'm only paying about 25% i.e. around £7 making it more like £32.50 for gym & pru total?

It doesnt say how or when you get cashback paid either.

The PruHealth website goes on a lot about "vitality points" and savings related to having a high vitality score, but no where does it really explain that.

Is anyone with PruHealth and understand how all this works and have you been able to reduce your premium with these cashbacks?

Thanks

xukc

Bumping this as I am also interested in using PruHealth to get cheaper gym membership. Anyone else using them? What is the best way to get the health insurance - online or via an agent / advisor?

BoracicLint

I've been with Pruhealth for 2 years now, having signed up for cheaper gym membership.

My premium is £19 and I get 50% of the standard Virgin Active membership which was £55 at the time, so pay £46 for a rolling contract with Virgin Active.

The cashback is pretty poor, it is paid on year 3 of your policy, and is dependant on your 'Vitality' status. You collect points for completing activities, such as visiting the gym (10 points), singing a non-smoker declaration (50 points) etc.. and as the points accumulate you achieve a higher status. It's quite easy to get to 'Gold' status just by going to the gym regularly, but 'Platinum' takes a bit more work.

At the end of year 3 they will calculate the cashback you are due, based on your Vitality status. In year 3 I think I am due to receive £76.

To be honest I see the cashback as a bonus, if you are young and look after yourself the combined cost of a policy and gym membership is cheaper than the gym alone, plus there are various other benefits I make the use of such as a free cinema ticket every week, and £12.50pm rebates on mobile phone contracts.

I went directly so cannot comment on whether an agent is a better route, however in year 2 I sucessfully contested my renewal price and received a discount so it might be worth haggling for a good deal.

Lizling

They've currently got 2 cashback options - 1 where you get the cashback after 3 years, and one that;s available for non-smokers only where it's more frequent, but you have to fill in a non-smoker declaration first and go for a healthcheck. The details of this 2nd onw have mysteriously disappeared from my account's webpage in the last few weeks, but they said it was still available when I phoned up and asked.

I also found out that their whole cashback/Vitality points system is being reviewed.

If you log in and dig around on the site, you'll find that you can also get free cinema tickets, half-price trainers, big discounts on bikes and some other stuff, but they've hidden it well.

Forgot to say, I haven't been able to reduce my premium, because although I'm very active, I don't go to a Virgin gym (still too expensive even with the discount); I measure my running and heart rate with a Garmin, not Polar; their HR app thing only works with an iPhone not my Android; and I don't tend to do Parkruns.

stephenni1971

adviserfullerton123 wrote: »

Hi, I am a specialist protection adviser and strongly believe that the Prudential health insurance is the best on the market. Mainly for the product itself and also the added benefits as the gym membership saving.


If you have any queries at all feel free to send me an email [EMAIL="xxxxxxxx@btinternet.com"]xxxxxxxx@btinternet.com[/EMAIL] and I'll be happy to answer any questions you may have about it.

How seriously think are you?

terra_ferma

stephenni1971 wrote: »

How seriously think are you?

Is this a new word game?
Think seriously, how are you?
Think you are, how seriously?
How seriously are you, think.. etc etc