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

Aviva Critical Illness+

October 2017 Aviva: CI

Gold
Poll Results

Aviva has introduced changes to its Life Insurance+ and Critical Illness+ products. The definitions for cardiomyopathy and spinal stroke have both been widened on the core plan.  The benign spinal cord tumour definition has been widened on the upgraded adult and child plans. On the child plan, if a child is diagnosed with cancer, a fixed payment of £50,000 is made (as it already was on some other serious conditions).  Aviva will also pay a fixed sum of £10,000 on a child’s advanced illness (its term for a terminal illness). This is in addition to the £5,000 benefit payable on…
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Vitality Lite

October 2017 VitalityLife: Other

Gold

The concept behind Vitality Lite is very simple – just offer a lower minimum premium and a smaller benefits package to attract more customers. So, whereas the minimum premium for Vitality and Wellness Optimiser is £30 a month (£40 for joint life applications), that drops to just £8 (Life Essentials) or £10 (Life Plan/ Business protection/Relevant Life Plan) on Vitality Lite. For an additional £1.50 a month (compared to £3.80 on Vitality Plus), customers get access to a reduced range of benefits.  The list is set out online at https://adviser.vitality.co.uk/life-insurance/healthy-living-options/vitality-lite-and-vitality-plus/ so customers can see what they are getting – and…
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Royal London Income Protection

October 2017 Royal London: IP

Gold

Royal London’s Income Protection proposition has been updated with a range of changes aimed at ensuring the proposition continues to meet clients’ changing needs. All changes are included as standard and the new benefits added to the menu product are: Fracture cover. This pays up to £4,000 per claim with a maximum of two claims in any 12 month period. Multiple fractures are covered, up to the £4,000 claim limit. Hospitalisation payment. This pays: £100 a night if more than six consecutive nights are spent in hospital during the deferred period. That includes connected claims, up to a maximum of…
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National Friendly Out Patient Optimum

October 2017 National Friendly: PMI

Silver

National Friendly has launched its new Out Patient Optimum private medical insurance plan, describing it as a potential solution to UK GP waiting times. The private medical insurance (PMI) plan includes a range of benefits, with one highlight being the ability to see one of a network of private GPs across the UK. The plan’s main benefits include covering: Unlimited appointment(s) with a private GP if that appointment leads to a referral to a specialist. One private GP consultation a year that does not lead to a referral to a specialist. Diagnostic consultations with a specialist consultant. Diagnostic tests to…
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Cigna Tailored Family Dental Coverage

September 2017 Cigna: Dental

Gold
Poll Results

Cigna UK HealthCare Benefits (Cigna) has launched optional, customised extension dental benefit cover for its dental plans. This allows customers to add family members - including parents, parents-in-law and older children - to their corporate dental plan. Cigna says the option meets the needs of the ‘Sandwich Generation’ - people responsible for the care of and providing healthcare funding for members of their extended families. The option allows customers to select the level of cover best suited both for themselves, and for their wider family. The level of dentist charges covered can then be tailored to meet the individual’s needs…
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