PruProtect Health Cover

June 9th, 2010

PruProtect have created a great new product that covers you for Life cover and also private medical insurance. Pruprotect's Health Cover and Health Cover Optimiser will offer clients access to medical insurance in a way that has not been seen before that could really shake the market. It could also save you 25% on cover.

James Markwick from Lifebroker who attended the launch of the product of the product at the London IMAX last night said "it is great to see two huge sections of a company work together. I have been very impressed with PruProtect and this again shows that although they are a huge company, they still seem to be able to move quick and surprise you. Some companies that Lifebroker works with, for example Aviva could not manage to pull this off".

PruProtect clients will now be able to easily add health cover to pay for the cost of private medical treatment for a wide range of acute conditions including day-to-day treatment, seeing a specialist or having an operation.

There are 3 levels of cover;

• comprehensive
• primary
• heart and cancer cover.

These options provide extensive coverage including access to some of the best private hospitals in the UK, as well as access to over 7,000 experienced and skilled medical professionals.

The Health Cover Optimiser is simply added to PruProtect's Serious Illness Cover, saving 25% compared to buying health cover from PruHealth.
With the Optimiser clients can choose either:

• Full lump sum / no private medical treatment
• reduced lump sum / full medical treatment

(if the cost of care exceeds the policy sum assured, then you will not be charged any more and care will continue)

The great thing here is that your choice can be made at the point of claim offering flexibility cutting out the overlap between the covers. For conditions that do not trigger a serious illness claim, the health cover would cover treatment in the normal way.
At the launch Jobanputra spoke about how the products aim to provide wide ranging depth and breadth of health cover to consumers. "You don't know what cover you need when buying that product (either critical illness or PMI), so we are offering flexibility of cover and choice at a very much reduced cost," he says. “I've often heard consumers say that PMI is a luxury product, with the cost often cited as an issue, so we're making the product more accessible to a wider range of customers - not just to one product, but a range of options underlying that product.”

Lifebroker is looking forward to working with PruProtect's health cover product.