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

PatientChoice Premier

July 2010 PMI

Silver

PatientChoice has recently renamed its products as  Hospital Treatment Plans and has now introduced a new top level plan, which is called Premier. Essentially, PatientChoice plans provide a cash lump sum to pay for specific treatments rather than take the usual PMI (private medical insurance) approach of indemnifying hospital treatment costs. As such, customers can make a ‘profit’ by shopping around to find the best value treatment but may find that some treatments covered by conventional PMI are not covered. Premier differs from PatientChoice’s other plans by providing an additional annual £1,000 pot to cover diagnostic tests and specialist consultant…
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WPA Active Health

July 2010 WPA: PMI

Gold

WPA has introduced a new range of individual PMI plans. The first two are: • Flexible Health. Available in Essentials, Premier and Elite forms, the plan in its Premier guise covers in-patient and limited out-patient cover with a choice of four co-payment levels and optional cancer, advanced cancer drugs and dental cover plus optional premium hospitals, higher out-patient limits and emergency cover abroad. • XS Health. Aimed at non-smokers aged 25 and below. Has a £1,500 annual excess but costs just £59.70 a year, making it an ideal buy for parents for their adult children (who may not be covered…
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National Friendly One Fund

July 2010 National Friendly: PMI

Gold

National Friendly’s new One Fund  is a health cash plan (HCP) that adopts the concept of a single large annual pot of money rather than separate pots for each benefit type. The exceptions being optical and health screening, which each have lower annual limits. There are six premium level options— £10, £12, £14, £16, £18 and £20 a month per person. They provide overall annual limits across all benefits of from £720 to £1,440. Within that, there are six benefit categories, each of which is subject to an annual excess of £40. The six categories are (figures shown are for…
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Rias Over 50s Life Plan

July 2010 Rias: WL

Part of the Fortis group, Rias was established in 1992 and is a specialist provider of insurance products for the over 50s age group. This plan is underwritten by sister company Fortis Life UK. The plan provides UK resident customers aged 50-75 with a guaranteed acceptance whole of life plan with no medical questions. Premiums start at £5 a month and are available in £5 multiples up to £50 a month. A male aged 60 would get £5,666 of cover for £25 a month or £11,983 for £50 a month. For a female of the same age the sums insured…
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PruProtect Health Cover

July 2010 PruHealth: PMI

Platinum

PruProtect has introduced two new plans—Health Cover and Health Cover Optimiser. Health Cover is effectively a simple PMI add-on from sister company PruHealth to PruProtect’s Serious Illness Cover. By doing this, customers gain a useful 5% discount plus the convenience of one application form and a joined-up approach. Three levels of PMI cover are available on both plans—these are Comprehensive Cover, Primary Cover and Heart and Cancer Cover. In this review however we focus on Health Cover Optimiser. This also looks to combine Serious Illness Cover with PMI but in an even more joined-up way. It allows customers to choose…
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