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

Paycare Protect

May 2019 Paycare: HCP

Gold

Paycare Protect is the Wolverhampton based health cash plan provider’s new entry-level plan. It aims to help businesses support employees’ mental, physical and financial wellbeing. Available to businesses employing over 20 employees, the plan costs around £1 a week (£4.18 a month) for each employee. Benefits include 100% cashback on dental (max £50pa), optical (£50), chiropody and professional therapy bills, including physiotherapy, hypnotherapy and chiropractic (max £125pa). Protect also pays up to £150 for specialist consultations and tests, £55 for a health screen and includes an online Lifestyle Assessment. Redundancy Premium Protection for six months is included, as is free…
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G&M International Accident & Health coverages

May 2019 G & M International: Other

Silver

G&M International has launched worldwide Accident & Health cover, providing insurance solutions for a wide range of professions, including what it calls distressed occupations such as surgeons, fire fighters, expatriates and professional sports.  Large groups, expats, doctors and attorneys can also be covered. The solutions could appeal to organisations such as brokers and life insurers that want to offer GI style benefits too. Cover options include: ·       Temporary disability, caused by accident and/or sickness. ·       Permanent disability, caused by accident and/or sickness. ·       Accidental death. ·       Medical expenses (including evacuation and repatriation). ·       Kidnap and ransom. ·       Travel. ·       Life…
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Canada Life Life Insurance Plus Critical Illness

April 2019 Canada Life: CI

Gold

Canada Life has updated its existing individual life and CI product, making a number of changes and improvements. These include: •            Core illnesses covered has gone up from 41 to 52. The new ones are: o            Brain abscess - with specified treatment. o            Brain injury due to anoxia or hypoxia - resulting in permanent symptoms. o            Cauda equina syndrome – with permanent symptoms. o            Heart failure. o            Intensive care – requiring mechanical ventilation for ten consecutive days (not available for children who are already covered under their own definition which has seven consecutive days). o            Myasthenia gravis - with specified…
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VitalityHealth Essentials

April 2019 VitalityHealth: Other

Gold

Vitality Essentials is a no additional cost product available to Vitality’s Business Healthcare clients who cover a percentage of their employees with full PMI. Vitality Essentials gives employees access to a range of lifestyle health and primary care benefits. Those benefits include discounts of 40% on Virgin Active and Nuffield Health gym membership plus up to 40% on wearable fitness devices. Employees also have access to virtual GP consultations and the online Vitality Age assessment at no additional charge, and members also get discounted annual Vitality Healthchecks. Members of Vitality Essentials earn Vitality points in the same way as other…
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DeadHappy

April 2019 DeadHappy: Term

Silver

DeadHappy is a new pay-as-you-go life insurance plan designed for the digital age. Its product is underwritten by Covéa Life. Online only and D2C, the proposition is different from most other life products in that: ·       It only asks four questions on the application form. DeadHappy reckons this usually takes about a minute to complete. ·       Rather than use level premiums, premiums go up each year in line with the age risk, on the plan anniversary date. DeadHappy says the average increase is less than 5% a year. ·       The plan is set up as ten year term insurance, with…
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