At PruHealth, they believe that health insurance should be available to as many people as possible. So they have developed a range of plans, which offer top quality cover as well as the flexibility to meet your needs and your budget.
Better still, whichever plan you choose, you’ll be able to take advantage of the exceptional value-added benefits of our Vitality rewards scheme – including potential reductions in your premium each year.
The plans at a glance:
This plan is designed to give you complete peace-of-mind. We believe it offers some of the most comprehensive health cover available.
In-patient Care
Hospital Charges
Cover in full
Specilaists' / Consultants' fees
Cover in full
Diagnostic Tests
Cover in full
Radiotherapy / Chemotherapy
Cover in full
Psychiatric Treatment
45 days a year
Out-patient Care
Consultations with Specialists
Cover in full
MRI, CT, PET Scans
Cover in full
Other Diagnostic Tests
Cover in full
Physiotherapy
Cover in full
Chiropractic / Osteopathy
£800 a year
Radiotherapy / Chemotherapy
Cover in full
Psychiatric Treatment
Cover in full
Other Care
Alternative Medicines
£600 a year
Maternity Cash Benefit
£100 per child
Nursing at Home
Cover in full
Private Ambulance
Cover in full
Parental Accommodation
Up to 12 yrs
NHS Cash Benefit
£100 a day Max £2,000
This plan covers hospital fees, including specialist and consultant's fees. It costs less than Comprehensive, but offers less cover for outpatient care.
In-patient Care
Hospital Charges
Cover in full
Specilaists' / Consultants' fees
Cover in full
Diagnostic Tests
Cover in full
Radiotherapy / Chemotherapy
Cover in full
Psychiatric Treatment
28 days a year
Out-patient Care
Consultations with Specialists
£1,000 a year
MRI, CT, PET Scans
Cover in full
Other Diagnostic Tests
Cover in full
Physiotherapy
within £1,000
Chiropractic / Osteopathy
within £1,000
Radiotherapy / Chemotherapy
Cover in full
Psychiatric Treatment
within £1,000
Other Care
Alternative Medicines
-
Maternity Cash Benefit
£100 per child
Nursing at Home
£3,000 a year
Private Ambulance
£60 per trip
Parental Accommodation
Up to 12 yrs
NHS Cash Benefit
£50 a day Max £2,000
The Core Plan covers hospital treatment included in the Essential Plan, but out-patient care is covered only if directly following and related to a hospital treatment.
In-patient Care
Hospital Charges
Cover in full
Specilaists' / Consultants' fees
Cover in full
Diagnostic Tests
Cover in full
Radiotherapy / Chemotherapy
Cover in full
Psychiatric Treatment
-
Out-patient Care
Consultations with Specialists
£600 a year
MRI, CT, PET Scans
Cover in full
Other Diagnostic Tests
within £600
Physiotherapy
within £600
Chiropractic / Osteopathy
within £600
Radiotherapy / Chemotherapy
Cover in full
Psychiatric Treatment
within £600
Other Care
Alternative Medicines
-
Maternity Cash Benefit
£100 per child
Nursing at Home
£3,000 a year
Private Ambulance
C£60 per trip
Parental Accommodation
Up to 12 yrs
NHS Cash Benefit
£50 a day Max £2,000
Benefits shown above are for illustrative purposes only. Please refer to your policy documents to confirm exact benefits and terms of use...
Your choice of underwriting
There are three different ways that we can assess your medical history and your eligibility for treatment. This is called underwriting. It’s important that you read and understand each of the three options below before choosing one.
1. Moratorium
If you choose this option you don’t have to give any details of your medical history in the application form. We will not cover any medical conditions that existed in the five years prior to your application. These conditions will become eligible for cover two years after you join. This applies to all family members covered.
2. Full Medical Underwriting
If you choose this option you will have to provide all the details of your medical history in the application form. By doing this you have the advantage of knowing exactly what you are covered for. It’s essential that you give all the information you are asked for. If you are not sure whether or not to mention something, it’s best to do so as failure may mean that we cannot cover a claim or that your policy is invalid. It may be necessary for us to write to your doctor for more information. If you or any of your dependants have a medical condition that is likely to recur, that condition (and any related to it) will probably not be covered.
3. Switching from an Existing Provider
If you have started a fully underwritten policy and not made a claim in the last two years this simplified underwriting option could be better for you. You do not have to answer any detailed questions on your medical history, so it could be the ideal option if you are switching to PruHealth from another insurance provider. If you have existing exclusions, these will be carried across and continued.
If you are unsure about whether this plan is suitable for you and/or your family, call 0800 977 6006 and ask a policy adviser for details...
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