The total premium you pay will depend on several factors including your age, how many people you wish to cover, whether or not you smoke and which options you choose. You may pay annually or monthly. Annual premiums will benefit from a discount.

You can use the premium estimator to work out the likely cost of cover. Please contact our Sales Helpline on 0800 294 7303 or your broker for a confirmed quotation.

Low Claims Discount
You can also benefit from a reduction in your annual premiums based on a history of low claims.

In fact all new Personal Health members enjoy a discount from the full cost of their first year’s membership. We will then increase the value of your discount by an additional 5% at each subsequent renewal, provided that your claims for the year are less than 33% of the premiums paid. Claims under Option 5 are not included in the 33% calculation.

The value of the Low Claims Discount is calculated for each person covered under the scheme and the maximum Low Claims Discount that can be applied is 50%.

If in any year your claims are higher than 66% of the premiums payable then you will lose 10% of your discount, based on the premium payable before your discount. Although it is possible to lose accumulated discounts over time, your premiums will never be more than the standard rate applicable at that time.

Can I add options later?
You may change your benefit options at your annual renewal date. If you add an option, new underwriting terms will be applied to that option and you will need to decide which of the two methods of underwriting you wish to apply to that option.

For more information about the two methods of underwriting read the Policy Document.