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

Adviser panel

August 2020

Platinum

As of August 2020, we have introduced a new ‘adviser’ based rating to sit along side our product review scores. The score represents the average score from our independent panel of expert life, protection and health advisers for each product. The adviser panel includes the following firms:As of August 2020, we have introduced a new ‘adviser’ based rating to sit along side our product review scores. The score represents the average score from our independent panel of expert life, protection and health advisers for each product. The adviser panel includes the following firms: Advo Group, AJG, Assured Futures, BDHL, Cavendish…
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April International Care MyHEALTH Hong Kong (Adviser score 8.0)

January 2021 April International: iPMI

Gold

April International Care has announced a number of improvements to its MyHEALTH Hong Kong private international health insurance (iPMI) policy range, and in particular to its Elite module. The changes took effect from the start of December 2020. The annual limit for the Elite module for in-hospital care has been increased from US $3.0 million to $4.5 million and a near doubling of check-up and vaccination cover has been added, giving a total benefit for this now of US $2,000, with no change to policy premiums. In addition, new adult and child health benefits have been added, and are now…
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Aviva Healthcare Solutions and Healthier Solutions (Adviser score 9.0)

January 2021 Aviva: PMI

Gold

Aviva has updated its Solutions and Healthier Solutions products. Solutions is private medical insurance (PMI) for SMEs, while Healthier Solutions is designed for individual clients. From 1 March 2021 a number of enhancements, plus a number of other improvements, will be applied to these products, along with other changes, including the removal of emergency overseas benefit. Full details are set out in two Product Changes guides but include: Expert Select is a new open referral hospital option included in Solutions and Healthier Solutions. It provides a simpler, supported claims journey, and the choice of a number of Aviva quality-approved facilities…
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Legal & General Group Protection (Adviser score 8.0)

January 2021 Legal & General: GIP

Gold

In partnership with FinTech firm Salary Finance, Legal & General Insurance has launched Protect, a mobile-first, group risk insurance solution which the insurer says will revolutionise employee engagement. Aimed at businesses with 500+ employees, Protect is based around the kind of digital experience employees are used to in their day-to-day lives. The insurer says it offers an engaging solution that responds to unmet needs, extending group life cover, income protection and critical illness cover to entire workforces at no extra cost for the employer. Employees can dial up and dial down cover across the three protection products, allowing a level…
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AIG Life Critical Illness Insurance (Adviser score 8.8)

November 2020 AIG Life: CI

Platinum

AIG Life has updated its existing critical illness plans, with two developments in particular being worthy of note. First, it has grouped more than 20 conditions under just four broad headings. These focus on specific surgeries or on the impact on daily life for customers, not on the name of the illness. If the impact is the same, the customer will be covered - whatever the name of the condition. The headings are: Degenerative neurological disorder. Reduced heart function. Surgery to the heart, aorta or pulmonary artery. Surgery via the skull. Individual definitions remain but AIG says this approach is…
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