SUMMARY: How does 100 per cent off the cost of next years medical insurance premium sound? Through Prudential Insurance Companys Pruehealth this offer is a reality, we tell you how.

Cutting the cost of you medical insurance

By Mel Varley

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For a 40 ear old non smoker the monthly payment for a male would be £62.85 and for a female £66.43 with an excess of £100 having the premium reduced if you gain "vitality" points.

At the end of the first year there is a discount of 25 per cent and you earn further points and therefore further discounts, by improving your health. (secured loans)

Measures such as reducing your blood pressure, taking fitness assessments and regularly visiting the gym are encouraged. Cheap gym membership is also on offer and there is a website offering encouragement and handy tips about diet and exercise. (home insurance quotes)

When checked with other medical insurance policies, the Pruehealth policy mentioned above came out more expensive than those of General Medical, Health-on-line and Axa PPP. General Medical, for example, offers their Foundation Plus First Choice policy. The premium again based on a 40 year old non-smoker, male or female, is £48.05 with an excess of £100.

As the cost of insurance rises with age, inevitably the insurers are going to have to recoup their costs. Some work their premiums out based on age bands and the cost of insurance can jump sharply as you move up from 40 to 49, 50 to 59 and so on. Rather than sudden increases in the premium, many companies increase by a smaller amount, but will apply this annually.

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