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

VitalityLife Wellness Optimiser

March 2017 VitalityLife: Other

Platinum

Wellness Optimiser is a contract with customers that gives them upfront and ongoing discounts in return for meeting health activities. The process starts with the customer undergoing a two yearly health check-up, for which they pay £10 (a heavily discounted rate). This is undertaken through a partnership with Lloyds Pharmacy and other Vitality partners. The customer then gets a Wellness Status, which shows their BMI, cholesterol, blood pressure and blood glucose levels. Engaging in Wellness Optimiser generates an upfront discount on standard office premiums based on their age (whole of life policies, with discounts up to 60%) and the term…
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VitalityLife Vitality Nurse

March 2017 VitalityLife: Other

Platinum

VitalityLife’s Vitality Nurse is a range of medical screening and nurse services whose sole purpose is to improve the underwriting process. Vitality Nurse offers an instant booking service for medical underwriting requirements with real time results from VitalityLife's bespoke evidence analyser app. This will enable easier and faster medical underwriting, with 80% UK coverage. The market norm typically offers an inefficient system characterised by ongoing delays and missed appointments. Vitality Nurse offers the convenience of medical screening by a clinically qualified nurse in the comfort of the customer’s own home in as little as two hours from the time of…
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Ellipse Group Critical Illness

March 2017 Ellipse: CI

Gold
Poll Results

Ellipse has launched a number of changes to its group critical illness product. In terms of conditions covered: Two new core illnesses have been added. They are: Creutzfeldt-Jakob disease (CJD) and dementia. The latter was originally an additional illness.  Seven new additional illness conditions have been added. These are: bacterial meningitis; balloon valvuloplasty; benign spinal cord tumour; cardiac arrest; encephalitis; liver failure, and pulmonary artery graft surgery. Although not a standard benefit, Ellipse will also cover coronary angioplasty if the scheme already has it or it is desired by the employer/adviser. There will be an additional premium loading. The plan…
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Health Shield Cash Plans

March 2017 Health Shield: HCP

Gold

Health Shield has introduced a number of changes to its existing health cash plans (HCPs). The changes include: A new online benefit and resource hub for members has been added. Called mywellness, this is a one-stop shop for benefits and various resources, designed to encourage members to improve their lifestyle and everyday health and wellbeing. Physio Triage. This new benefit gives members access to advice, support and treatment, to help them recover from musculoskeletal injuries as fast as possible. Discounted screening. This new discounted cancer screening benefit includes access to a network of cancer specialists, plus advice and support. Workplace…
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Scottish Widows Critical Illness cover

March 2017 Scottish Widows: CI

Gold

Scottish Widows has made a number of changes to its critical illness products, around two main areas: Consolidating some definitions. Updating, widening and adding others. In more detail, the key changes are: A new additional payment condition of carcinoma in situ with surgery widens cover in this area and incorporates the old headings of carcinoma in situ of the breast; cervix uteri; endometrium; oesophagus, and testes. The benefit pays the lower of £25,000 or 25% of the sum insured. Four other carcinoma in situ definitions (for bladder, prostate, ovarian and pituitary) are retained as they have a more precise claim…
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