Additional benefits and options
For added peace of mind and financial security you can add additional benefits and options to your Plan, depending on the core benefits you have selected and your needs and budget.
What is Health Cover?
Health Cover is designed to cover the cost of surgery, medical specialists, accommodation and nursing, either at a private hospital or in the private ward of an NHS hospital.
Get the treatment you need, when you need it
If you have one or more of our three core covers – Life Cover, Serious Illness Cover and Income Protection Cover – you can add Health Cover to your Plan too. Health Cover:
- Pays for the cost of private medical treatmentfor a wide range of acute conditions – everything from day-to-day treatment, to seeing a specialist, to having operations.
- Lets you choose from three levels of cover, depending on what you can afford and what worries you most
- Costs less than buying separate Health Cover plus other protection cover from us - one application, one direct debit, one number to call – and a lower premium.
- Gives you extensive coverage - You’ll have access to some of the best private hospitals in the UK, as well as access to over 7,000 experienced and skilled medical professionals
- Offers a no claims discount - every year that you don’t claim under your Health Cover, you’ll get a discount on your Health Cover premiums when you renew your cover – up to a maximum of 35%. Each year you make a claim, this discount will decrease.
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What is Unemployment Cover?
Unemployment Cover provides you with an income for up to two years if you lose your job through redundancy, or if you are self-employed and your business goes into liquidation.
Get more protection with our Unemployment Cover
- This cover is provided by St Andrew’s Insurance plc (St Andrew’s) and premiums are reviewable annually.
- You can choose between a benefit that pays for either 12 or 24 months.
- You can claim more than once provided you have been in employment for at least 6 months since the last claim.
- Carer Cover is automatically included. This pays a lump sum if you become a carer.
- Premium Waiver is included automatically. This means your premiums will be waived while you are unemployed.
Fast facts
| Min term | 5 years |
| Max term | 47 years |
| Min sum assured | £100 each month subject to minimum premium |
| Max sum assured | £2,500 each month |
| Min entry age next birthday | 19 |
| Max entry age next birthday | 60 |
| Max expiry age/date
(not applicable to whole of life) | Age 65 next birthday |
What is Disability Cover?
Disability Cover provides you with a lump sum if you suffer from up to 65 conditions or illnesses leading to disability.
Get more protection with our Disability Cover
- Permanent Disability Cover is included as part of our Serious Illness Cover, however additional cover can be taken.
- You can receive a payout for either temporary or permanent disability.
- With the choice of three different levels of cover you can choose how extensive you want your cover to be.
- Disability Cover is not affected by claims made for Life or Serious Illness Cover.
- We offer guaranteed and reviewable premium rates for this type of cover.
Fast facts
| Min term | 5 years |
| Max term | Reviewable premiums 50 years Guaranteed premiums 30 years |
| Min sum assured | £10,000 subject to minimum premium |
| Max sum assured | £500,000. In addition, the total combined Serious Illness Cover and Disability Cover from us cannot exceed £1,000,000* |
| Min entry age next birthday | 17 |
| Max entry age next birthday | 60 |
| Max expiry age/date
(not applicable to whole of life) | Age 70 exactly |
What is Optional Serious Illness Cover for Children
Optional Serious Illness Cover for Children pays a lump sum if your child suffers a serious illness.
Get more protection with our Optional Serious Illness Cover for Children
- With the PruProtect Plan Serious Illness Cover automatically includes up to £25,000 cover for each child but with our Optional Serious Illness Cover for Children you can increase this cover even further. (Please note that automatic Serious Illness Cover for Children is not included on the Essentials Plan).
- You can receive up to £100,000 extra cover for each child.
- We provide cover for children from the age of 3 months to 19 years.
- You can choose from either the Primary or Comprehensive level of Serious Illness Cover for Children.
Fast facts
| Min sum assured | £10,000 subject to minimum premium |
| Max sum assured | £500,000. In addition, the total combined Serious Illness Cover and Disability Cover from us cannot exceed £1,000,000* |
| Min entry age next birthday | 3 months exactly |
| Max entry age next birthday | 17 |
| Max expiry age/date
(not applicable to whole of life) | Plan anniversary before the 19th birthday |
What is Minimum Protected Account
Available for an extra premium, this option can top your cover back up to its original level after a claim, giving you extra reassurance that you’ll have more cover in place should you need it again.
Get more protection with our Minimum Protected Account option
- You can choose the amount of your Plan Account that you want to protect – this can be between 25% and 100%.
- By selecting the Minimum Protected Account option you can claim an unlimited number of times for Serious Illness Cover - up to the maximum payout of 3 times the original level of cover or £1 million.
- We will top your cover back up with no further underwriting, no further exclusions and unlike competitor’s buy-back options there will be no change to your premium.
Why should you consider this option?
Did you know...- Half of all heart attacks are repeat attacks.
- 30-43% of people who recover from their first stroke will have another one within 5 years.
- The average ten year cancer survival rate has doubled over the last 30 years.
Fast facts
| Min entry age next birthday | 17 |
| Max entry age next birthday | 65 |
| Max expiry age/date
(not applicable to whole of life) | When Serious Illness Cover and Optional Serious Illness Cover for Children have ended |
What are Premium Waivers
There are three premium waivers available which can be added to your Plan, to provide you with added security.
Get more protection with our Premium Waivers
Waiver of Premium on Incapacity
With our Waiver of Premium on Incapacity you can choose a deferred period (the period of incapacity before your benefits are paid) of 1, 3, 6 or 12 months.
Waiver of Premium on Death
If you have a joint policy and select the ‘Waiver of Premium on Death’ option, future premiums for the remaining person will be waived if the insured life dies.
Waiver of Premium on Serious Illness
With our Waiver of Premium on Serious Illness there is no specified waiting period before the premiums are waived if you suffer from a serious illness.
Fast facts
| Waiver of Premium on Death | Waiver of Premium on Serious Illness | Waiver of Premium on Incapacity | |
|---|---|---|---|
| Min term | 5 years | 5 years | 5 years |
| Max term | 40 years | 30 years | 54 years |
| Min entry age next birthday | 17 | 17 | 17 |
| Max entry age next birthday | 65 | 60 | 60 |
| Max expiry age/date
(not applicable to whole of life) | Age 75 exactly | Age 70 exactly | Age 70 exactly |
What is Indexation?
With the Indexation option your cover increases automatically each year by inflation.
Why you should consider this option?
Indexation provides peace of mind that the purchasing power of your selected cover will not diminish over time due to the effects of inflation.
What is Whole of life?
The Whole of Life cover option will cover you for the whole of your life, not just a set term. You can choose to have Life or Serious Illness Cover for the whole of your life.
Why you should consider this option?
- Whole of life serious illness cover provides you with reassurance that you have cover for later in life when the incidence of having a serious illness is higher.
- A whole of life Life Cover benefit could be used to fund inheritance tax liabilities or funeral expenses.
- Whatever happens in the future you are assured of cover
