PruHealth - Prudential Health Insurance

Prudential health insurance or Pruhealth as it is commonly known, has roots in the Prudential plc, a financial services company started in 1848. Prudential plc is in the areas of retail banking, insurance, active, pensions, retail investments, real estate investment and institutional fund management.

Discovery Holdings began in 1992 as a health insurance company in South Africa. Pruhealth is a joint venture between Prudential and Discovery Holdings plc. This means thatIt is to be 160 years of financial experience and reliability, supported with up to date expertise in the topics of health care.

The company has a unique Vital program that encourages policyholders to look their health while saving time on the premiums. The program works on the basis of the award of "vitality points" for a number of good practices to follow the health of the policyholders are encouraged. The points are tabulated at the end ofthe policy period and converted to a discount on their next premium. Of course, the number of vitality points higher the greater the discount.

In addition, certain business activities at one of the many partner institutions, health clubs and fitness centers and includes supermarkets and other facilities, also entitled, within which the policyholder is not only more vitality points but often discounts from the partners themselves

The program does not go like thisPolicyholders fitness fanatic, but rather look to their health and well being. There are three types of membership begins with silver, gold forward and ending with platinum. Membership is automatic if one takes a policy, but of course taking advantage of the benefits is purely optional.

The company offers three types of communications, each of which can be modified to meet individual needs. All plans include Vitality membership as a result contributions candiscounted.

• The Core Plan. This is the easiest of the three plans. Eligible hospital charges specified, and claims can only be taken against those. There is limited out-patient care - this is only for outpatient treatment after in patient care. That is, follow-up outpatient treatment. There are several additional benefits available, including bonuses for the use of NHS bodies and for the birth of a baby.

• The Essential plan. It contains everything coveredof the Core Plan, together with additional facilities such as higher out patient care.

• The Comprehensive Plan. In addition to all this plan to cover the basic plan also offers a higher ambulatory care and a greater coverage limits. Other benefits include free treatment and so on.

PruHealth has become one of the most popular health insurance in the United Kingdom. One reason is the vital program, which encourages a healthier lifestyleamong the insured, through financial incentives, after looking at health. Second, the simple and basic structure of the plan options, which make them easy to understand and decide. The third factor for the popularity of the company is the reputation of being extremely user friendly and it shows the willingness to help in dealing with the policyholders.

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