PruProtect launches combined CI & Health Policy

PruProtect is offering two new health insurance products - health cover and health cover optimiser, which it says will provide easier access to private medical insurance.

PruProtect's health cover pays for the cost of private care for a wide range of conditions, including day-to-day treatment, seeing a specialist or having an operation. PruProtect policyholders can add this cover to their existing policy, or include it when buying Life, Income Protection or Serious Illness Cover.

Instead of having to buy serious-illness cover and health cover separately, they can be combined in one package with a single application form, one direct debit and at a 5 per cent discount compared with buying the cover separately.

The products come in three tiers of cover - comprehensive, primary and heart and cancer cover - and are all supported by PruHealth.

Health cover optimiser allows clients to create a comprehensive package of benefits in one vehicle, saving up to 25 per cent on buying health cover separately from PruHealth.

The Money Helper director Michael Cooke says: “Health insurance and protection are usually completely separate, and often are not even handled by the same adviser, which seems a shame for the consumer. We welcome this initiative to more simply enable consumers to benefit from a wider range of advice without additional hurdles to overcome.”