Impartial reviews on the latest products and how they can impact consumers.
November 2016 Cigna: PMI
Cigna has launched Virtual Health as an add-on app for employers. It offers a range of healthcare benefits to Cigna’s PMI covered employees. The app includes a number of elements: My Virtual GP. Members can check their symptoms using the app’s Symptom Checker. If that identifies a need to see a GP, instead of making a physical appointment with their NHS GP, the member can instead make a virtual video appointment with a private GP through Dr Now (part of the Now Healthcare Group). Dr Now offers virtual GP and pharmacy services via the member’s smartphone. Video virtual appointments are…
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October 2016 Cirencester Friendly: IP
Cirencester Friendly has launched My Extra Benefits as a package of add-ons that can be included on its Income Assured Plus and My Earnings Insurance income protection policies. The first option is Fracture and Hospitalisation Benefit. This is in two parts. Fracture Benefit pays a £1,000 lump sum if the customer suffers a fracture of one of the named bones in the cover and the benefit is not dependant on an income protection plan claim being paid. One claim per accident/incident is payable and only one claim in any 12 month period can be made. The second element of this…
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October 2016 British Friendly Society: IP
Income protection provider British Friendly has updated its existing plans by adding a Care Assistance Benefit at no extra cost to customers. The benefit is discretionary (which means it could be cut or changed at any time) and pays a flat £125 a week benefit if the customer’s partner or child (below age 18) needs care for 35 or more hours a week for a continuous period of four weeks or more. Once agreed, the claim is backdated to day one and then pays out for a maximum of 26 weeks over the life of the policy. Making a claim…
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October 2016 Cigna: iPMI
Hollard Cigna Health is an international private medical insurance (iPMI) plan designed for those living and working in the African continent. Cigna says the plans are aimed at key local nationals, regional expats and globally mobile staff of corporations with a footprint across Sub-Saharan African countries. In order to best meet local requirements, plans are ‘fully admitted’ health insurance plans, so should be accepted in most territories. There are six different plans: Core Care; Standard Care; Select Care; Essential Care; Executive Care, and Elite Care. Maximum annual benefit per member per year of insurance ranges from $50K (Core Care) up…
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September 2016 National Friendly: PMI
National Friendly’s Your Health Fund is a private medical insurance (PMI) plan for individuals. It offers a choice of two cover levels: Level 1: Diagnosis Plus. This pays for diagnoses and outpatient treatments. Private GP consultations, diagnostics, therapies and minor GP surgery are covered. Level 2: Private Hospital Inpatient Cover. This adds inpatient treatment cover to the Level 1 cover and is not available on its own. The policy has a five year term and an annual review, with premiums payable monthly. At the five year review, the plan is effectively re-underwritten, so the society could apply a medical loading…
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