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

LV= Critical Illness Cover

July 2019 LV=: CI

Gold

LV= has introduced updates to three of its 100% conditions and one additional payment condition for its critical illness plans. The main changes are: 100% Conditions ·         Benign Brain Tumour. Previously benign brain tumour claims were paid on diagnosis alone. Now LV= adopts the market norm and requires certain treatments - full or partial surgical removal, radiotherapy or chemotherapy. ·         Motor Neurone Disease. Six motor neurone conditions are now listed rather than just ‘motor neurone disease'. ·         Third Degree Burns. The requirement for facial or head burns has been cut from 50% of the area to 20%.  Additional Payment Conditions…
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Medigo GLOBALCOVER

July 2019 Medigo: PMI

Silver

Medigo is a German based company and has launched two global healthcare products for companies based in the UK.  GLOBALCOVER (the focus of this review) is for major illness treatment and GLOBALCARE is for second medical opinions and medical concierge. GLOBALCOVER borrows from conventional critical illness insurance (CI) and private medical insurance (PMI) and pays for treatment for certain medical conditions only. Aimed at UK based employers, the plan costs from £8.33 a month for each employee covered. Treatment is covered up to £1m in total and minimum scheme size is five employees. The conditions covered by the plan are…
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Legal & General Income Protection

June 2019 Legal & General: IP

Gold

L&G has updated its income protection (IP) plan. The changes include increased acceptance, more income guarantees and an extended support services, combined with more competitive pricing. The changes include: •             Scrapping the generic exclusion of alcohol and drug abuse. •             Increasing the maximum IP benefit limit by 20% from £200,000 a year (£16,667 a month) to £240,000 a year (£20,000 a month). This applies to employed and self-employed customers taking out a plan on a standard or low-cost basis. •             Raising the limit on increasing IP plans to £168,000 a year (£14,000 a month). •             In 2018 L&G introduced special…
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Aon Well One

June 2019 Aon: Other

Gold

Aon's Well One application is being offered first in parts of Europe and Asia and utilises dacadoo's digital health score platform. Well One offers employees digital one-to-one coaching and the ability to connect virtually with their colleagues to share progress as well as earn recognition to help influence healthy behaviours and increase motivation. Using artificial intelligence driven digital coaching and education, the app means employees can gain the awareness and understanding they need to better manage their lifestyle and future finances. Employees can then compare their personal health achievements to those across their organisation anonymously. In turn. businesses can benchmark…
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Generali Global Travel Protection

June 2019 Generali: Other

Gold

Generali’s new Global Travel Protection plan offers a flexible package, with accidental death benefit, permanent disability benefit and 24/7 multinational global assistance. Cover also includes loss of luggage and personal effects, lost or stolen ID cards or travel documents and personal liability cover. The plan is aimed at o0rganisations with 250+ employees. The plan is designed to be an integral part of a benefits package that will also help employers fulfil their duty of care responsibilities, while also supporting recruitment and retention. The single flat, annual premium also means minimal admin and accounting too Generali says. Comment: This plan offers…
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