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

Saga Guaranteed Life Insurance

September 2010 Saga: WL

Bronze

Saga’s new plan is underwritten by PruProtect and is a guaranteed life insurance policy for those aged between 50 and 85 living in the UK. Premiums are fixed for life at outset, as is the sum assured. On death within the first year, all premiums are returned but the full sum assured is payable after one year (compared to two years on many similar plans) or on accidental death at any time. Acceptance is guaranteed regardless of health and, on acceptance, customers also get a £20 Marks & Spencer voucher. If the sum assured is used to pay for a…
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Partnership Care Plan Payment Option

September 2010 Partnership: Other

Silver

Partnership’s Care Plan Payment Option (CPPO) is a fixed rate loan that enables people to fund their long term care, without having to sell their family home. The loan has a fixed rate of 6.99% and is secured against the family home. The mortgage loan is then used to purchase a Partnership Care Plan, which is a single premium plan that provides a guaranteed income for life. If those payments are made direct to a registered care provider, the income is tax free. The CPPO can be for a lesser amount, e.g. if the customer wants to use some of…
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Health365

September 2010 Westfield Health: PMI

Silver

Health 365 is a new online direct to consumer health insurance product offering simple, quick and affordable health cover from £15 a month. Health365 is a new sub-brand for leading health cash plan provider Westfield Health and is its venture into online insurance. The plan itself has four modules and two premiums levels (min and max), which apply to the Core and Therapies benefits (the other two are fixed). Reimbursement is 100% up to the policy limit and customers must choose at least one module in addition to the Core module: • Customers must choose Core Health Cover. This pays…
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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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