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

British Insurance Mortgage Payment Protection Insurance

June 2010 British Insurance: ASU

Bronze

British Insurance Mortgage Payment Protection Insurance British Insurance’s latest MPPI plan is of conventional design, with a choice of unemployment only, sickness and accident only or accident, sickness and unemployment. The plan offers a choice of 30, 60, 90 or 180 days waiting periods. The marketing materials we saw implied a back to day one 30 day waiting period was also available, although the quotes engine did not offer this option online. Plans can be taken out from age 18 up to age 65. Customers must be in employment and living and working in the UK and their mortgage must…
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BIBA/Millennium Committed Payments Protection

June 2010 ASU

Bronze

The British Insurance Brokers’ Association (BIBA) and Millennium Insurance have launched a new payment protection plan for BIBA members to market. The plan is underwritten by Jubilee at Lloyd’s. The plan features: • Accident, sickness and unemployment (ASU) cover to protect regular bill payments of from £200 up to £2,000 a month. • Optional life cover from £2,400 to £24,000. • Confidential and independent advice programme to help claimants back to work. • Up to £50,000 help in appealing or defending employment or contract disputes and negotiating settlements for bodily injury or death. • 24/7 helpline. • Alternative lump sum…
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AXA PPP healthcare Corporate Health Plan Pathways

June 2010 AXA PPP healthcare: PMI

Silver

AXA PPP healthcare’s CHP Pathways is a new, lower cost PMI plan for groups of 75+ employees. The plan is based on AXA PPP’s Corporate Health Plan but instead of having their GP refer them to a named specialist, members obtain an open referral  and let AXA PPP decide which healthcare provider they should see. This should result in savings of around 15%, which is reflected in the plan’s premium rates. As part of the way it works, scheme members must have any treatment pre-authorised. This helps ensure that the required treatment is covered and enables AXA PPP to then…
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Aviva Speedy Diagnostics

June 2010 Aviva: PMI

Silver

Good as the NHS is, it can still take weeks to see a specialist for a first (or subsequent) out-patient appointment. Around half those who have a first out-patient appointment then do not actually go on to need a hospital admission, so this can mean long and worrying waits for otherwise well people. Aviva’s new solution is Speedy Diagnostics, which offers the following benefits: • Pays for out-patient diagnostic tests—specialist fees for consultations and for diagnostic tests as well as the cost of X-rays, scans and ECGs. • Pays for day-patient or in-patient diagnostic tests—hospital charges for e.g. an endoscopy…
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AA Insurance,  AA health cover

May 2010 AA: PMI

Bronze

AA Insurance and Financial Services has launched three private medical insurance products, underwritten by AXA PPP healthcare. The three are: • Assure Choice. This covers in-patient and day-patient treatment and out-patient surgery, radio/chemotherapy and scans, but excludes other out-patient treatments. It also covers hospital-at-home, private ambulance and radio/chemotherapy NHS cash benefit. • Ideal Choice. This adds limited additional out-patient cover and psychiatric treatment up to £900 a year. • Premier Choice. This provides the widest benefits. Exclusions for all plans include pre-existing conditions, dentistry, routine pregnancy/childbirth, chronic conditions and emergency/urgent treatment. All plans include a no claims discount, which starts…
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