Pruhealth gym loophole Article Discussion

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Cheap gym loophole

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• This would be great if LA Fitness weren't so terrible! It took me AGES and Ј150 to get out of my membership.
  >.
• Can someone please explain the process of getting through the Gym doors once the insurance policy is in place?
  Do you go along to the Gym with policy details and ask to sign up without a charge?
  The article doesn't explain much beyond the point of signing up to pru health.
  Thanks.
• I've a pre existing medical condition, have excellent life insurance through work and quit the fags a year ago. If I answered the questions accurately on the quick quote site, I'd be faced with a high premium and no benefit over a standard membership.
  HOWEVER, if I provide the answers I know will give me the lowest premium and assume I will never ever make a claim, would I be able to take advantage of this loophole?
  My slightly twisted reasoning is below:-
  I'd never claim so PRUHEALTH keeps the money, as it would for a healthy individual - RESULT1
  I'd get a cheap deal for the gym - RESULT2
  LA Fitness's deal with Pruhealth is seen to be delivering results, though increased active membership - RESULT3
  Happy to be told I'm an evil genius or unethical scammer, just would like an opinion please.
• Please don't be conned by this 'deal'. If you go along to a real independant gym, i.e. one not by these money making factories you can join with a full membership for between Ј20 and Ј30 per month and they will not make you jump through hoops or continually attack you with salesmen trying to sell you up with 'personal training' sessions with their barely qualified gym instructors.
  Please keep away from the chains and go to a real gym. Save money, get real service and actually make some progress for all the work you put in.
• I would not recommend virgin gyms to anyone. the facilities are great, but when we tried to leave they were a complete nightmare.
  staff gave us wrong info about dates for ending our contract. would not accept that we were moving out of area and were extremely unhelpful. eventually they sent a debt agency after us to pay for not using the gym which we had tried to leave in accordance with the instructions given by the desk staff (it's a long story......)
  Read the small print, read it again, this is all they will tell you..
• Can it really be true that if you take advantage of the points system in Pru's Vitality Activities programme you can reduce your premium to NOTHING from the second year onwards???? They told me on the phone that you need to get 2,000 points to get to Platinum status which equals a premium reduction of 100%. Well, having looked at the list of activities which you can get points on, it's not that difficult...especially if you are joining Pru to get the free gym membership and will therefore be going regularly anyway.
  Have I misunderstood something or are the Pru banking on people signing up but not being motivated to go to the gym, etc?
  Any views on this would be most welcome. Thank you.
• I already have a Pruhealth policy paid for by work - so does anyone know if I can join Cannons and get 'free' gym membership, or do I have to pay £25 a month? The Pruhealth website isn't very clear on this...
  Thanks,
  Saz
• I can't find the option where you choses the excess. It just gave me a quote on very basic questions.
  Also couldn't find any information on the PruHealth site about this offer. I can't find the bit which tells you how much to join the Virgin Active clubs.
  I have phoned Pru up but have to wait for an advisor to call back before 8pm.
  Anyone know?
• Dia anyone who did this last time add family members on to their membership? As at present I have a membership for me and three teenagers at Cannons, which is oming up for renewal. Do you reckon they would just add the kids fees on top?
• I did this last time and got the £115 from quidco.
  I've noticed that TopCashBack are offering £155.
  Has anyone used this site?
• Was looking for Health insurance anyway as I've just changed job and no longer have company scheme.
  Instead of adding whole family did myself and son on one policy then my wife on second policy which worked out a tenner cheaper for some reason.
  Did myself and son through quidco - £115 - Tracked
  Did wifes through topcashback - £155
  Also Pru website says "Join PruHealth and get £100 JJB vouchers." so potentially 2 x £100 JJB Vouchers (though reasing somewhere else it says this ends 27th June, however no mention on website so may push it!)
  And the Gym membership to boot.
• Further to my earlier post, I have now found the Pru Policy Document, which says "6.13 Policy renewal At the end of the Policy Year PruHealth may elect to offer to the Policyholder renewal of the Policy". So, presumably, if a policyholder got enough points to get a 100% reduction in the next year's premium, the Pru could just decline to renew the policy? (If so, and you wanted a health cover policy this could be a bad thing to get into as you'd then be a year older when applying for alternative policies).
• Hi there...okay i'm a little dense here, I recently used the GLAMOUR offer to get a months free gym membership for LA Fitness and when that came to an end I became a member. I have made one payment as a full member...is there any way for me to take advantage of the Pru's offer?