8) Rewards for Healthy Behaviour
Rewarding customers for healthy behaviour is a fairly new idea in the health insurance world but one that is very attractive to customers. It offers a win-win combination - you pay less in premiums and help yourself stay in better health.
PruHealth: Vitality
PruHealth was the first health insurance company to introduce the idea of rewards for healthy behaviour. In their Vitality scheme policyholders are rewarded with lower premiums if they take part in a list of activities that promote a healthier lifestyle.
With PruHealth you join at the Bronze level and the more Vitality Points you earn the more chance that you can increase your status to Silver, Gold or even Platinum. Over and above your renewal premium discounts you are also eligible for discounts in several of their partner businesses including: Eurostar, Mark Warner holidays, Champneys Health Spas and Cineworld.
Below is a list of only a few of the activities which enable you to work towards lowering your premium. The activities fall into one of categories: education, screening, not smoking, exercise and nutrition.
Aviva: My Health Counts
In recent months Aviva have also introduced their own version of healthy behaviour rewards which can help you to get a 15% discount of your next years insurance premium. They have launched My Health Counts with is a health management service that encourages you to take steps towards good health.
You take an online test on Health Trackers. It checks for Any improvements that you make over the course of the year are rewarded with points that add up to reduce your premiums. You are assessed in the following areas: Weight/BMI, Fitness, Smoking, Alcohol, Blood Pressure, Cholesterol, Heart Disease. These are used to asses your Q Score.
Your Q Score is a statistical measurement which assess your health risks in comparison with other people your own age.
PruHealth: Vitality
PruHealth was the first health insurance company to introduce the idea of rewards for healthy behaviour. In their Vitality scheme policyholders are rewarded with lower premiums if they take part in a list of activities that promote a healthier lifestyle.
With PruHealth you join at the Bronze level and the more Vitality Points you earn the more chance that you can increase your status to Silver, Gold or even Platinum. Over and above your renewal premium discounts you are also eligible for discounts in several of their partner businesses including: Eurostar, Mark Warner holidays, Champneys Health Spas and Cineworld.
Below is a list of only a few of the activities which enable you to work towards lowering your premium. The activities fall into one of categories: education, screening, not smoking, exercise and nutrition.
- Flu vaccination
- Regular check-ups for child/baby Children
- Completed vaccinations Children for children
- Mammogram for women over 45
- Maintaining blood pressure over six month period
- Improving blood pressure over six month period
- Maintaining fitness rating over six month period
- Workout – Gym session
- Fitness assessment A
- Being a non-smoker
- Quit smoking with Allen Carr
- Maintaining target BMI band over six
- Creating a healthy meal plan online
Aviva: My Health Counts
In recent months Aviva have also introduced their own version of healthy behaviour rewards which can help you to get a 15% discount of your next years insurance premium. They have launched My Health Counts with is a health management service that encourages you to take steps towards good health.
You take an online test on Health Trackers. It checks for Any improvements that you make over the course of the year are rewarded with points that add up to reduce your premiums. You are assessed in the following areas: Weight/BMI, Fitness, Smoking, Alcohol, Blood Pressure, Cholesterol, Heart Disease. These are used to asses your Q Score.
Your Q Score is a statistical measurement which assess your health risks in comparison with other people your own age.
Labels: health insurance
posted by Insurance News at
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