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Anniversary rewards
Your no claims discount
When take out Health Cover, you get a 25% no claims discount on the Health Cover portion of your plan premium. Each year you don’t claim on your Health Cover, this discount will increase, going up to a maximum of 35%. Each year you make a claim, this discount will decrease.
For each claim-free year you spend with us, you will move up a band on our no claims discount table (see below) and increase your no claims discount on your Health Cover premium – up to a maximum of 35%. If you do make a claim during the year, you will simply move back two levels at renewal and you can start to rebuild your discount again the following year. Your no claims discount cannot fall below 0%.
The no claims discount will only apply to the Health Cover portion of your plan premium. It will not be applied to the premium for all remaining parts of your protection cover (which may include Life, Serious Illness or Income Protection cover and any additional benefits).
| NO CLAIMS BAND | 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|---|
| DISCOUNT | 0% | 5% | 10% | 15% | 20% | 25% | 30% | 35% |
If you are unwell, you should not delay seeking treatment because of the impact it will have on your no claims discount.
Your Vitality rewards
Everyone who takes out one of our Plans also becomes a member of our health and wellbeing programme, Vitality with Lite Rewards. Vitality rewards you for living a healthy life. We offer it because we know that the healthier you are, the less likely you are to claim. Everyone gets something tangible back from their Plan, even if they never have to claim.
- We encourage you to be healthy by offering you discounts with a range of health partners.
- We reward you for getting healthier by offering you savings with a range of reward partners.
Plus - with the PruProtect Plan, we also give you the opportunity to reduce your protection premiums each year – without reducing your cover.
