How we work out your health insurance renewal premium
Our renewal prices are clear and easy to understand
Want to know how we work out your renewal price? It’s simple. We use our unique A,B,C formula:
A for Age
Like all insurers, your price goes up slightly with every year you age. Because the older you get, the more likely you are to claim.
B for Base inflation of medical costs
Treatment, drug and hospital costs rise every year for every insurer. So our prices also take into account how much those costs go up.
C for Claims.
We adjust your price based on the claims you’ve made. How much we adjust it also depends on how much you look after your health*
*Claims made under the Worldwide Travel Cover and Optical, Dental and Hearing Cover are not taken into account when calculating the Claims element of your ABC renewal price
How healthy habits can help lower your renewal price
With us, you earn Vitality points for doing healthy things, like having a yearly health check and tracking your daily activity – walking, running, cycling, swimming or going to the gym.
The more points you earn, the higher your Vitality status. And the higher your Vitality status, the bigger the rewards and the lower your premium can be. Here’s how many points you need for each status when there is one adult on the plan:
| Status | Points needed |
|---|---|
| Bronze | 0 |
| Silver | 800 |
| Gold | 1,600 |
| Platinum | 2,400 |
Frequently asked questions
Here are a few of the questions we've answered for our members
Call us on 0330 678 3326
Or ask for a call back and we’ll get in touch at a time to suit you.
Lines are open: Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm. Sunday and bank holidays: Closed
Calls to '03' numbers cost no more than a national rate call to a 01 or 02 number, whether from a mobile or a landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to '03' numbers will be included.