Impartial reviews on the latest products and how they can impact consumers.
August 2019 Aviva: CI
Aviva has made further changes to its critical illness plans. The two main changes are: • Loss of speech has been removed as a separate condition. Aviva reported that it had not paid one loss of speech claim in 15 years. • Extra Care cover has been cut to three rather than four options. Aviva’s logic is that many illnesses it covers are more likely to occur at older ages and that symptoms will typically worsen over time. So, the maximum age for specified conditions has been increased from 50 to 55. Aviva adds that by simplifying the Extra Care…
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August 2019 National Friendly: PMI
Bristol-based mutual National Friendly has upped the maximum benefit on its Optimum In/Day-Patient Plan from £250,000 to £1,000,000. In addition, new policyholders can opt to have an extended hospital list, which covers central London hospitals. According to the insurer, 48% of its current Optimum policyholders live in Greater London. The Out-Patient Plan has also been improved, giving customers a choice of either a £2,000 or £5,000 cover limit each policy year, albeit again with an increased premium. The insurer offers two private medical insurance policies and between them they cover prompt access to a GP or consultant for diagnosis, a…
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August 2019 Aviva: PMI
Mental Health Pathways Plus is an option enabling large corporate companies to support addictions such as online gambling, gaming and social media. The benefit can be added to Aviva's corporate mental health cover, launched last year. It is also available through the PMI plan Optimum, for organisations with 250 or more employees. As well as helping with technology-driven addiction to round-the-clock activities online, the service also includes support for those with drugs or alcohol issues. Children aged 13 and over are covered by their parent's cover and can also access mental health support services too. Comment: Mental health issues were…
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August 2019 VitalityHealth: PMI
VitalityHealth has partnered for this service with Doctify, which is the UK’s leading independent online review and booking platform for medical consultants. The insurer has launched Vitality Specialist Finder powered by Doctify as a website allowing customers to search for a medical consultant by speciality, rating or location. Patients can also book appointments on the site 24/7 and publicly rate and review doctors – a UK first. The service is being rolled out to customers through VitalityHealth’s musculoskeletal (MSK) team with a view to a full launch with direct member access to clinicians later in 2019. The service includes: ● …
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August 2019 Unum: Dental
Unum says that dental cover is the most popular voluntary health benefit offered by employers. Taking the appeal a stage further, employees can now enrol for Unum Dental cover online too. Using the new online, paperless enrolment process, employees can get immediate cover in just a few clicks. Unum Dental provides insurance cover to support employees and their dependants receiving both regular check-ups and essential dental treatment when they need it. Unum says it: · Has the least exclusions compared to the other leading corporate dental providers. · Provides a fast, simple claims payment service through an online claim portal.…
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