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

WPA Active Health

July 2010 WPA: PMI


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


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


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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IMG Europe GlobalSelect International Healthcare Cover

June 2010 IMG Europe: iPMI


IMG Europe has enhanced its flagship product to include: • A 15% introductory discount for all new applicants and a 15% no claims discount and a low claims discount. • Extended annual wellness benefits, including an annual sight and hearing test and routine vaccinations. • Political and security evacuation and repatriation. • Identity theft benefit. • Out of country criminal assault benefit. • Natural disaster evacuation and accommodation. • International access to a medical information service staffed by medically qualified staff. IMG Europe says its premiums are  ‘exceptionally competitive’ e.g. a 29 year old man could pay £44.20 a month…
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