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

April International Care MyHealth France

February 2019 April UK: iPMI

Gold

MyHealth France is an iPMI policy for expats living in France. It is designed to meet their needs, both pre and post Brexit.  April says France is currently home to 1.3m expatriates of all nationalities, a figure expected to rise to 1.5m within the next two years. UK nationals make up 150,000 of this total, making them the largest single foreign nationality resident in the country.  The policy tops up what the French State will pay towards healthcare. That can include items such as the cost of a private room in hospitals and optical and dental services. The policy offers…
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VitalityLife Income Protection Plan

February 2019 VitalityLife: IP

Gold

VitalityLife has introduced a number of changes to its existing Income Protection (IP) plan. These include: ·         Public sector plans Bespoke deferred periods are now available for a wider range of public sector employees, including all NHS doctors, surgeons and nurses; public sector teachers, and council workers. For these public sector employees, the benefit will be aligned to their employer sick pay scheme. ·         Earnings Guarantee An improved Earnings Guarantee means if a customer’s earnings when they claim are less than their Earnings Guarantee established at the start of the policy, the higher level of benefit is paid. Enhancements also…
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VitalityLife Mortgage Plan

February 2019 VitalityLife: CI

Gold

Vitality has launched a new mortgage protection plan that offers simple but comprehensive cover designed specifically to meet the need for mortgage protection. The plan can enables customers to choose one or more of life cover, income protection, serious illness cover for children, waiver of premium and a new Serious Illness Cover Protector, which is specifically designed for mortgage protection. One key feature is there are just five medical questions, and a quick and easy new application process (called Optimiser Underwriting) so customers can be protected in minutes. Serious Illness Cover Protector offers: •             Severity-based cover, with 145 conditions, including…
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AXA Global Healthcare Saudi Arabia

January 2019 AXA Global Healthcare: iPMI

Gold

From 1 January 2019, AXA Global Healthcare has launched new international medical insurance plans for both multinational companies with employees on assignment in the region and locally-based businesses. The new proposition meets the Saudi Arabian Monetary Authority (SAMA) and Council of Cooperative Health Insurance (CCHI) regulations. AXA's existing Prestige and Prestige Plus plans have been developed to meet local needs and to be consistent with AXA's other global healthcare offerings in the region, namely in Dubai and Abu Dhabi. The plans combine AXA Cooperative Insurance Company's regional presence with AXA - Global Healthcare's international health insurance capabilities. AXA says the…
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Ellipse Group Income Protection

January 2019 Ellipse: GIP

Gold

Ellipse has updated its Group Income Protection proposition, Sick Pay, which is now available to firms with as few as two employees and there is no maximum number that can be covered. In addition, Ellipse has added the capability to provide flexible benefits. Other improvements include a lump sum payment option following a limited term, a higher maximum benefit, more options when covering pension scheme contributions and greater flexibility to accommodate different State benefit deductions. The improvements build on the existing GIP proposition, which includes an employee assistance programme, day one early intervention and vocational rehabilitation. Comment: In June, AIG…
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