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

Integra Global InCare

May 2020 Integra Global : iPMI

Silver

Underwritten by MGEN, with claims administered by Medical Administrators International (MAI), Integra Global has launched two new international health plans (iPMI). Both are available for individuals and for groups. The basic plan, InCare Life, includes comprehensive hospitalisation and rehabilitation benefits, plus 24/7 emergency medical assistance, life cover and mental health benefits. The maximum annual and lifetime benefit is $1m. The higher priced InCare Premier has a greater overall policy limit ($1.25m a year and $2.5m lifetime), plus private room cover and increased accidental death and dismemberment cover. On both plans the focus is on in and daypatient cover, consequently neither…
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Aegon UK Income Protection

May 2020 Aegon: IP

Gold

Aegon UK has updated its income protection proposition and the main change is a new two year option on its personal and executive income protection plans. In addition, the insurer has improved the personal IP replacement ratio from a flat 55% to a tiered ratio based on income. There is a lump sum death payment of £5,000 now on personal IP plans too. Accidental death benefit is available on all personal benefits (except gift inter vivos). On business benefits that include IP (except key person and executive), it is increased from £250,000 to £300,000 and from 60 days to 90…
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BHSF Rise

April 2020 BHSF: Other

Platinum

BHSF’s new Rise plan is an employee assistance programme (EAP) that offers personalised, on-demand and proactive advice and support from a range of expert mental health, financial and legal providers. The plan provides: •            A 24/7 counselling and advice line. •            24/7 phone access to personal legal information and support, provided by Irwin Mitchell. •            Face to face counselling. •            24/7 health and wellbeing advice and support. •            24/7 phone access to personal financial and debt information and support, provided by Auriga. •            Your Care Support – support for carers, provided by Tutella. •            Brain and Spine Foundation advisory service.…
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Vitality at Work

April 2020 VitalityHealth: Other

Gold

VitalityHealth’s new Vitality at Work plan offers small to medium sized businesses (SMEs) a wellness programme that can cover all employees, giving them a range of key health benefits in a cost-effective way. Employers can therefore extend preventative healthcare services and outcomes information to their entire workforce, not just those covered by PMI. Vitality says the aim is to support employers addressing leading causes of absence and helping them to support employees who want to live healthier lifestyles. The plan gives fast access to a private virtual GP, physiotherapy services and a range of mental health support and treatment. It…
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Royal London Critical Illness Cover

April 2020 Royal London: CI

Gold

Royal London has made a number of changes to its CI plan, after a last major update just over a year ago (reviewed January 2019). The changes include: •            Adding one new condition – removal of an eyeball. •            Removing AIDS/HIV as a condition (as have many CI insurers now). •            The following new additional payment conditions have been added: -             Carotid artery stenosis. -             Cerebral or spinal aneurysm. -             Cerebral or spinal arteriovenous malformation. -             Non-malignant tumour of the pituitary gland. •            Changes have been made to the following existing condition definitions: -             Accidental hospitalisation. Removal of the drug…
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