PruHealth Private Medical Insurance

This is a brief overview of the PruHealth medical insurance product available to small and medium sized employers in the UK. Full details are available on request.

PruHealth was launched in October 2004 and is a joint venture between Prudential and Discovery, the South African health insurance leader. Its model is based on a successful concept launched in South Africa and the US.

Product features

The company paid medical insurance plan offered by PruHealth offers top quality medical insurance and a wide range of product features that are not available from the other providers. These are summarised below:

Employer benefits

Premium rebates based on claims experience – up to 25% rebated
Active promotion of good health reduces absenteeism and encourages loyalty
Future inflation control by promoting good health and therefore keeping claims under control

Employee features and benefits

HEALTH PARTNER	Employee discount/deal
PRIVATE HEALTH FUND	Referrals for non-GP treatment – cumulative £50 per annum per employee/£100 for couples and families
HEALTH CLUB/GYM SUBSIDY	Up to 100% discount (e.g. Virgin Active, Cannons, LA Fitness)
HEALTH BASED NO CLAIMS CASH REBATE	Up to £350 per person/£700 per couple
HEALTH SCREENING	Up to 85% discount (e.g. Nuffield)
INDIVIDUAL ON-LINE HEALTH MANAGEMENT ACCOUNTS	Standard for all employees with activity tracking and lifestyle sections (healthy eating, stress support, etc.)
SMOKING CESSATION COURSES	78% off Allen Carr smoking cessation courses
HIGH VALUE EMPLOYEE ENGAGEMENT REWARDS	Champneys – up to 80% off Eurostar – up to 90% off Mark Warner Holidays – up to 40% off Cineworld annual film passes – up to 80% off
HEALTHY EATING INCENTIVES	Extra Nectar points through Sainsbury's