Pru Health - John C. Kirk
Mar. 6th, 2008
07:20 pm - Pru Health
As I mentioned in January, I cancelled my gym membership so that I could re-join via Pru Health. I signed up with Pru last week, and received my welcome pack this morning; it all looks quite encouraging, particularly their "Vitality points" discount. The basic idea is that I can earn points for each healthy thing I do, and if I accumulate enough points during the year then I get a discount on the following year's premiums. In particular, if I go to the gym twice a week (to get cheap membership there), that would earn me 1000 points, which would give me a 50% discount next year.
The catch is that the discount is based on this year's premiums, so I may need to check the small print. Since I'm already on a 27% discount, does that mean that I save 50% of the full price (£48.52/month) or 50% of the 73% that I'm paying (£35.42/month)? I.e. would I wind up paying £24.26 or £30.81 per month? Still, if I get to save money on two separate memberships from the same activity (and get fitter in the process), that has to be a good thing.
Edit: I get the discount on the full price - more info in follow-up post.
There are a few other ways to earn vitality points, one of which is to fill out a "Personal Health Review" on their website. Unfortunately, I think they have a slight glitch in their system. When they asked me for my height and weight, I entered these in metric: 1.86m and 102kg. However, when I saw the summary at the end, it said:
Body Mass Index (BMI): 16.5
Goal BMI: 20.0 - 25.0
I don't think many people would say that I'm too thin at the moment. It's possible that I chose the wrong option by mistake (although I don't think so), but even if I did then I'd expect their website to reject implausible values; 1.86 feet = 1'10", and Verne Troyer ("Mini Me") is 2'8", so I'd be surprised if there are any adults that short. Also, if I'm overweight at my height then reducing my height should increase my BMI. Doing the calculation myself, 57cm and 102kg means a BMI of 314!
Ah well, never mind. I've reported this to them, so hopefully they can investigate it and sort it out.