Impartial reviews on the latest products and how they can impact consumers.
June 2013 Ageas Protect: Other
Ageas Protect has launched a business protection package, based around its term assurance and critical illness (CI) offerings. The package also includes trust deeds that can be set up online without customer signatures using its innovative e-commerce system. There is also a range of support items including information guides, calculators and sales aids, accessible through a microsite. The insurance is available on single or joint life bases, with waiver of premium (six months deferred period) on one or both lives. Terms are available from three years to end age 89 (lower in some cases, e.g. if WOP applies). There is…
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June 2013 National Dental Plan: Dental
National Dental Plan has entered the individual dental market with two innovative new products. Wisdom Benefits is a non-insurance plan that offers a 20% discount on private dental care plus on adult orthodontics and cosmetic dental procedures. Single and family membership is available, costing £19.95 and £29.95 a year respectively. Members can visit any dentist in the expanding network of dental practices (149 across the UK when we checked on 22 May). Dencover is a low cost dental insurance plan with five cover options: NHS; Silver; Gold; Platinum, and Diamond. Benefits on Dencover Diamond are: • Maintenance - routine examinations…
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June 2013 General & Medical: Other
General & Medical has launched an accident insurance policy for individuals and teams. The plan is available in four versions—Sports Accident Key, Sports Accident, Sports Accident Plus and Sports Accident Elite. The Elite plan pays up to £30,000 on total and permanent disablement or on loss of sight, hearing or a limb. Lower benefits apply to more minor injuries (e.g. £1,200 for a broken leg); up to £500 a year is payable for physiotherapy and £1,100 a month (max £6Kpa) is paid on temporary total disability. In general, the plan covers those injuries a sports person might expect to be…
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May 2013 Globality Health: iPMI
Luxembourg-based Globality Health, which is part of Munich Health, has introduced a new international private medical insurance plan replacing its existing YouGenio product. The new plan offers geography-specific benefits and four different cover levels. A key element is adding a new lowest cost version, called Essential. This entry level plan offers the following maximum annual benefits: • Maximum annual benefit €2m (or $2.6m or £1.68m). Choice of three currency options. • In-patient treatment except maternity-related and newborn care. • Cancer treatment is covered, as are bone marrow and organ transplants (up to €100K). • Out-patient treatment is generally excluded, except…
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May 2013 Denplan: Dental
Denplan offers a range of dental products (as well as its best known capitation plans), with its six product Wellbeing range for employers aimed at encouraging employees to visit the dentist regularly. Lowest cover is provided by Denplan Key, which pays for worldwide dental injury/emergency treatment and a dental emergency helpline only. Elementary cover adds 100% reimbursement up to NHS limits and is designed for those with an NHS dentist and to cover those charges. The Essential and Extensive versions are available in standard or ‘Plus’ versions and add increasing levels of cover, paying maximum annual benefits per member of:…
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