PruHealth has made changes for 2010 to design, pricing and the Vitality programme for individual and business private medical insurance plans.
The hospital list with three choices has been extended to four:
- Local – includes all Spire Healthcare and most BMI Healthcare hospitals
- National – extends coverage to over 160 of the UK’s private hospitals, including all Nuffield Health hospitals
- London – extends coverage to Central London, including all remaining BMI Healthcare, and HCA Healthcare hospitals
- Premier – access to all the private hospitals and NHS hospitals with private facilities in the UK (over 400 hospitals)
The maximum gym membership discount has been cut. Dave Priestley for PruHealth says the change is to keep premiums as low as possible for all private medical insurance policyholders. "If we were to keep the gym offer unchanged, premiums for all PruHealth members would go up by between 5% and 15% depending on the policy, the policyholder's personal circumstances and their level of engagement in our range of health and wellbeing activities. And this figure would again increase year on year to allow for age and medical inflation changes." The proportion of policyholders getting discounts on their gym membership is small at 12%.
On business policies there is a new option: Personal Health Fund (PHF) – option of £100 (individuals) or £200 (families) for payment of healthcare services such as maternity related costs not normally covered by health insurance.