Impartial reviews on the latest products and how they can impact consumers.
February 2014 Aviva: iPMI
Aviva International Solutions From 1 February 2014, Aviva is bringing in a number of changes to its International Solutions international private medical insurance (iPMI) plan, for both new and existing customers. The main changes being introduced are: • Global regions for pricing have been cut from six to two. The two are Worldwide and Worldwide (excluding USA and Caribbean). • A new Gulf Solutions policy is available for group customers in Kuwait, Oman, Qatar or the United Arab Emirates (UAE). Individual customers living or working in Kuwait or UAE can also choose this plan. Claims are managed in partnership with…
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February 2014 April UK: PMI
April UK has teamed with hospital group Spire Healthcare to introduce inSpire, a private medical insurance (PMI) plan for individuals and families aged 16-74. Launched on 14 January, it provides insured private healthcare at all 38 Spire hospitals across the UK. One cover level – comprehensive – is available. This covers all in, day and outpatient care with no mandatory excess, although a £100 excess (per person per policy year) is available to reduce premiums. Customers also get access to Best Doctors service. There is also April’s Discount portal, which enables customers to save money on everyday shopping and dining.…
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February 2014 Allianz: iPMI
As part of its latest annual review, Allianz has introduced various revisions to its standard plans, which are available to both individuals and to groups. The key changes are: • Palliative and long term care (LTC) cover has been extended. Palliative care now covers all costs for an unlimited number of days. Previously a maximum of 30 days a year benefit was provided. LTC cover has been extended from 30 to 90 days a year. • Rehabilitation benefit now covers treatment that starts within 14 days of discharge (previously it had to be immediately after discharge). • On standard Outpatient…
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February 2014 Aegon: CI
Aegon Critical Illness cover Aegon has undertaken a review of its existing critical illness insurance cover and has introduced: • One new condition has been added, taking the total number of conditions covered to 43. The new condition is cardiac arrest. • In addition there are now 11 partial sum insured benefits, including a ‘unique’ benefit for specified specific fractures. Other partial payments now included are for accidental hospitalisation (£5,000 if hospitalised for 28 days due to an accident); cerebral aneurysm (treated by craniotomy or radiosurgery) - payment is the lower of £25K and 25% of the sum insured; cerebral…
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December 2013 LV=: WL
LV=‘s LifeTime+ is its whole of life plan. The plan has just been enhanced in two main ways: First, LV= will now pay out on diagnosis of a terminal illness or on death. A diagnosis that the life insured is not likely to live beyond 12 months is required. On joint life second death plans, the sum insured is payable on the terminal illness of the second life, after the first life has died or has been diagnosed as terminally ill. The second main change is that the number of guaranteed increase options has been increased from seven to ten.…
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