Ruth, 26, is a magazine designer living in London. Although in good health, she suffered from ME for two years in her teens, and contracted malaria while on a gap trip around the world. While she is generally in good health, her ME flared up slightly four years ago when she was completing her degree. She would like to buy PMI for £50 or under. What would you recommend for her?
Phil Taylor, Health Assured PMI Based on Ruth being 26 and in good all round health we would offer the PruHealth PMI Plan. Using its unique Moratorium underwriting together with some lifestyle questions, Ruth would qualify for a 25% discount in her first year as well as having all her previous conditions (except those specifically excluded by the plan) covered in two years time. Prices would start from £35.93 for Core Cover increasing to £43.77 for Essential Cover and, finally, Comprehensive Cover with a £250 excess at £49.63, covering all but three hospitals in the UK. Ruth would al...
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