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

Bupa Heartbeat Health care select 3 Plus

October 2010 Bupa: PMI

Silver

Bupa has introduced a number of changes to its Heartbeat PMI plans and launched a new version (Select 3 Plus), which sits between its existing levels 2 and 3, offering flexible pricing and underwriting. The new plan covers: • All in-patient and day-patient charges, including radio/chemotherapy and diagnostic tests in a Bupa Heartbeat (network) hospital. • Up to £1,000 a year for out-patient consultations, diagnostic tests, scans, and physiotherapy (and other therapies) combined. Radio/chemotherapy is also covered as an out-patient. • Private ambulance up to £60 per trip is included, as is parent accommodation with child under age 12. •…
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Pulse Insurance Harbour

September 2010 Pulse: Menu | Term

Bronze

Pulse specialises in ‘helping people that have been turned down by other insurance providers’. This policy, which is underwritten at Lloyd’s, is a ten year term assurance policy and is available to UK citizens. The plan is targeted at people with HIV and offers up to £200,000 of accidental death cover (other options are £10K, £50K, £100K and £150K) and either £10,000 or £25,000 of life cover. Pulse says that, crucially, it does not require a doctor’s report or for the applicant to undergo a medical examination and adds that there are currently around 83,000 people living with HIV in…
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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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