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

April International Care MyHEALTH Hong Kong (Protection Review rating: Gold, Adviser score 8.0)

January 2021 April International: iPMI


April International Care has announced a number of improvements to its MyHEALTH Hong Kong private international health insurance (iPMI) policy range, and in particular to its Elite module. The changes took effect from the start of December 2020. The annual limit for the Elite module for in-hospital care has been increased from US $3.0 million to $4.5 million and a near doubling of check-up and vaccination cover has been added, giving a total benefit for this now of US $2,000, with no change to policy premiums. In addition, new adult and child health benefits have been added, and are now…
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Aviva Healthcare Solutions & Healthier Solutions (Protection Review rating: Gold, Adviser score 9.0)

January 2021 Aviva: PMI


Aviva has updated its Solutions and Healthier Solutions products. Solutions is private medical insurance (PMI) for SMEs, while Healthier Solutions is designed for individual clients. From 1 March 2021 a number of enhancements, plus a number of other improvements, will be applied to these products, along with other changes, including the removal of emergency overseas benefit. Full details are set out in two Product Changes guides but include: Expert Select is a new open referral hospital option included in Solutions and Healthier Solutions. It provides a simpler, supported claims journey, and the choice of a number of Aviva quality-approved facilities…
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Legal & General Group Protection (Protection Review rating: Gold, Adviser score 8.0)

January 2021 Legal & General: GIP


In partnership with FinTech firm Salary Finance, Legal & General Insurance has launched Protect, a mobile-first, group risk insurance solution which the insurer says will revolutionise employee engagement. Aimed at businesses with 500+ employees, Protect is based around the kind of digital experience employees are used to in their day-to-day lives. The insurer says it offers an engaging solution that responds to unmet needs, extending group life cover, income protection and critical illness cover to entire workforces at no extra cost for the employer. Employees can dial up and dial down cover across the three protection products, allowing a level…
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AIG Life Critical Illness Insurance (Protection Review rating: Platinum, Adviser score 8.8)

November 2020 AIG Life: CI


AIG Life has updated its existing critical illness plans, with two developments in particular being worthy of note. First, it has grouped more than 20 conditions under just four broad headings. These focus on specific surgeries or on the impact on daily life for customers, not on the name of the illness. If the impact is the same, the customer will be covered - whatever the name of the condition. The headings are: Degenerative neurological disorder. Reduced heart function. Surgery to the heart, aorta or pulmonary artery. Surgery via the skull. Individual definitions remain but AIG says this approach is…
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HSBC Critical Illness Insurance (Protection Review rating: Gold, Adviser score 8.0)

November 2020 HSBC: CI


HSBC has made a number of changes to its existing two product critical illness plans - Core Critical Illness and Critical Illness Plus.  The most changes are on the Critical Illness Plus version. The Core plan now has 38 named 100% or full conditions and includes two additional payment conditions - less advanced cancer of the breast or prostate. These pay out the lower of £25K or 25% of the sum insured on diagnosis. Critical Illness Plus has an additional 11 specified 100% conditions and 37 additional payment conditions, which pay the lower of £50K or 50% of the sum…
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