We have a simple approach to your no-claims discount. As long as
you have your health insurance with us:
- For every year you don't claim, your yearly discount will
- For every year you do claim, your yearly discount will
If you don't already have individual health
insurance, you start on our maximum no-claims discount level of
65%, or level 8 on our scale.
How the scale works
|Discount off the base rate
What happens when you make a claim?
If someone on your plan makes a claim, your no-claims discount
in your next year will be lower. It moves down two levels on
the scale above for each person who claims, however many claims
What happens if you don't claim?
For every claim-free year you have, you'll move up one level on
the scale. You can go up to the maximum of 65%
What if I already health insurance and I'm switching?
If you're switching your health insurance to PruHealth, you can
carry across your personal underwriting terms from your current
We'll simply look at your claims history to see where your
starting point with us would be.
If you are unwell, you should not delay seeking treatment
because of the impact it will have on your no claims discount.