Impartial reviews on the latest products and how they can impact consumers.
June 2011 Bright Grey: CI
Bright Grey has introduced seven new conditions to its critical illness plans. Five pay the full sum insured on diagnosis. They are: • Pulmonary artery graft surgery, with surgery to divide the breastbone. • Encephalitis, resulting in permanent symptoms. • Intensive care, where continuous mechanical ventilation is required for ten or more consecutive days. • Multiple system atrophy, diagnosis resulting in permanent symptoms. • Pneumonectomy—undergoing surgery to remove an entire lung. • In addition, two new definitions pay 20% of the plan’s sum insured on earlier diagnoses (up to a maximum of £15,000). They are: • Ductal carcinoma in situ…
read more »
June 2011 ALC Health: iPMI
ALC Health’s new standalone international medical insurance plan is aimed at people working in the music industry, media and the performing arts. This plan is underwritten by Allianz Worldwide Care. The plan has an overall annual limit of £2m and includes as standard hospital accommodation; specialist care; family doctor services and nursing; dental treatment; chronic illness care; health screening; optical care and emergency medical evacuation cover. The plan is available to expats and local nationals (including those living in the UK) who want comprehensive cover at home and overseas ALC says. Also included is free membership of the Blood Care…
read more »
May 2011 WPA: Dental
WPA has updated benefits on its Providental dental insurance policy, which has now gained an ‘NHS top-up’ prefix and is available both to individuals and to groups. For individuals, the plan offers two levels of cover: • Level one (NHS only). Pays 100% of NHS treatment costs plus up to £500 for NHS or private dental emergencies, £10,000 for dental injuries or £10,000 for oral cancer treatment. • Level two. This pays 75% of treatment costs, up to £250, plus up to £1,000 for NHS or private dental emergencies, £20,000 for dental injuries and £10,000 for oral cancer treatment. There…
read more »
May 2011 Morgan Price International: iPMI
Morgan Price International Healthcare has launched its EssentialCare expatriate health insurance plan as a simple and cost effective plan, especially for people who would otherwise opt out of having cover on cost grounds. The plan offers a choice of three options, with all options having a single worldwide premium rate and cover: • Level 1. An annually underwritten product with no automatic renewal or continuation of cover, with consequent lower pricing (the insurer can refuse to renew if say claims have been made, unlike under a conventional PMI plan where renewal is virtually automatic). A 30 year old could have…
read more »
May 2011 IMG Europe: iPMI
IMG Europe’s latest international PMI (private medical insurance) plan is aimed at expatriate and eligible local individuals and families. Key features of the new plan include: • Full UK FSA regulation. • Four sub-plans to tailor cover—Silver, Gold, Gold Plus and Platinum. • Optional cover can be added: Global Personal Accident Plan; Hospital Income Plan; Maternity; Terrorism, and Sports. • Two cover areas: Area 2 (worldwide excluding USA; Canada; China; Hong Kong; Macau; Japan; Singapore and Taiwan) or Area 3 (worldwide). • Family premium covers first two children aged between 14 days to age ten at no additional cost in…
read more »
