Impartial reviews on the latest products and how they can impact consumers.
December 2012 Cigna: Dental
Cigna UK HealthCare Benefits has launched a new feature on its DentaCare plan to provide full refunds for covered treatments. The full cover feature is available on Level 3 and 4 plans only and is, Cigna says, the first of its kind in the UK (traditionally, dental cover only pays for part of the treatment cost). Customers must use a dentist signed up with Cigna and, initially, that means London only, although customers can nominate their own dentist to join the scheme. To recruit dentists, Cigna is using Monroe Sutton, the UK affiliate of Careington International Corporation, the premier US…
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December 2012 PMI
December 2012 PMI AXA PPP healthcare The Healthcare Pathway Sustainability and affordability of PMI (private medical insurance) is becoming a major concern and insurers are now taking the issue very seriously and doing something about it. AXA PPP healthcare’s solution for larger employers, was launched (or re-engineered) in October and is called ‘The Healthcare Pathway’. It focuses on five key areas compared to traditional PMI: Prevention. The Employee Health Gateway is a personalised web-based service. It encourages employees to live healthier lives by making small, steady changes to lessen their health risks, with more intensive support to those ‘at especial…
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November 2012 PruProtect: IP
As our stats page shows, there are almost a quarter of a million doctors on the GMC’s register. Over 100,000 are female (who have traditionally had to pay 50%+ more for income protection cover) and most doctors (over 155,000) are under 46. That adds up to a big market for income protection (IP)—if the cover is right. The problem is that writing IP has always been complex. A significant factor is that how much sick pay the NHS pays a doctor depends on how long they have been employed by the NHS. So, if they become ill and cannot work,…
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November 2012 Health Shield: HCP
November 2012 HCP Health Shield Elements Elements is a Health Shield’s new company paid health cash plan aimed at SMEs. The plan is offered in two versions—Elements and Elements Plus. Each is available in four levels. Max annual benefits for Level 1 and 4 plans are: Benefit Level 1 Level 4 Dental, 100% of cost up to £65 £215 Optical, 100% of cost up to £65 £215 Chiropody, 100% of cost up to £60 £215 Specialist consultations, ECG, X-ray, pathology fees and MRI scans, 100% up to £215 £450 Health & wellbeing, 100% up to £75 £215 Health screening, 100%…
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November 2012 Bupa: HCP
Bupa Student Health Expenses is a health cash plan targeted at students, their parents and other relatives who may want to pay for it. Available in two levels (Level 10 and Level 20) the plan offers the following maximum annual benefits. All benefits pay up to 100% of the cost, unless otherwise stated: Benefit Level 10 Level 20 Physiotherapy (75% of cost) £100 £150 Bupa Fitness Assessment £100 £100 Bupa Essential Health Assessment/GP Health Check £100 £100 Bupa Great Run entrance fees £50 £50 Consultation and diagnostic tests (max 75% up to) £100 £250 Dental £40 £80 Optical £40 £80…
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