Impartial reviews on the latest products and how they can impact consumers.

The Health Insurance Group ViaNabo

June 2017 The Health Insurance Group: Other


The Health Insurance Group (THIG) has introduced what it says is the industry’s most competitively priced employee benefits portal, ViaNabo™. ViaNabo™ has been designed to assist SMEs with 20 to 500 staff in managing their employee benefits and promoting health and wellbeing. The system consists of four modules, enabling companies to mix and match according to their business needs and budget. The primary employee benefits and engagement module, ViaNabo™ Core, costs £6 a year per user. The cost for all four modules, which include HR tools, employee assistance programme, manager support and employee discounts is £26 per employee per year.…
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Now Health International WorldCare

June 2017 Now Health International: iPMI


Now Health International’s WorldCare plan has been updated following what the company says was its most comprehensive review since 2011. The key product changes fall into three areas and include: 1) A simple annual deductible A new annual deductible structure replaces the previous per medical condition excess. This approach aligns with industry best practice, and aims to make plans even easier for members to understand and to enable cost conscious customers to better tailor cover to their budget. 2) Increased benefit limits Various core benefits have been enhanced, including diagnostic procedures, renal treatment, chronic conditions and routine maternity. Diagnostic procedures:…
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Royal London Personal and Business Menu Plans

May 2017 Royal London: Menu


Royal London – a pioneer of the menu proposition – has introduced a raft of updates to its existing Personal and Business Menu plan propositions. The main changes are: Being able to choose different start dates for each cover. For example, an adviser could start a client’s family cover immediately and their mortgage protection only once the mortgage has completed. Allowing a different owner for each cover within a multi-benefit application. Starting accepted covers immediately while the underwriting of other covers is still progressing. Sending advisers dashboard reminders to enter start dates online with no need to call the insurer.…
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The Exeter Managed Life

May 2017 The Exeter: Term


The Exeter has launched into the protection life insurance market, with a new plan designed to appeal to two groups who often struggle to get affordable cover – those who are overweight and those who have Type II diabetes (and many will have both). Managed Life offers reduced premiums in future years for customers who positively manage their condition by lowering their HbA1c level (if they are Type II diabetics) or their weight (if they have a high BMI – body mass index). To best understand how the plan works, the timeline for a new plan is: First, an initial…
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Royal London Diabetes Life Cover

May 2017 Royal London: Term


Until now, many of the UK’s four million plus diabetes suffers have found obtaining affordable individual life insurance difficult. So, Royal London has launched a simple life insurance product designed to offer speedy decisions rather than meaningless quotes that the customer only finds out they can’t get after weeks of ‘underwriting’. The key elements of the product are: A quick and simple application process for people with Type I or Type II diabetes. Immediate cover if accepted. Cover is available even to those with high HbA1c (glycated haemoglobin) levels. If the diabetes is well managed and Royal London is sent…
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