Impartial reviews on the latest products and how they can impact consumers.
January 2011 Bupa: HCP
Bupa’s new Cash Plan Fundamentals plan, launched in late September, has three levels of cover, and gives employers the option to cover different employees at different cover levels. Employees can claim back up to a total of £2,295 a year towards the cost of their everyday healthcare expenses. The maximum annual benefits are up to: Benefit Level 1 2 3 Dental: £50 £100 £200 Dental injury £200 £300 £400 Optical £50 £100 £200 Therapies (physiotherapy, osteopathy and chiropractic) £150 £250 £350 Consultations, scans, diagnostics £200 £300 £400 Chiropody £50 £100 £200 Medical appliances £100 £200 £300 Health screening £100 £150…
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November 2010 WPA: HCP
WPA’s new health cash plan offers standard HCP type benefits plus a range of built-in and add-on benefits that aim to top-up what is already available on the NHS. The plan is available in individual, corporate company paid and corporate voluntary (the main market for HCPs) versions. Three price levels are offered with either 75% or 100% reimbursement. A voluntary scheme with up to 49 employees could pay from £7.76 a month for Level One benefits with 75% reimbursement or up to £21.00 a month for a Level Three plan with 100% reimbursement. A Level Three plan would pay annual…
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November 2010 PruProtect: CI
PruProtect announced the latest evolution of its Serious Illness Cover plan on 21 October. The main changes are adding eight new conditions, seven of which are unique in the UK market. They are: • Lumpectomy for ductal carcinoma in situ of the breast (DCIS). • Carcinoma in situ of the oesophagus—requiring surgery. • Severe inflammatory Crohn’s disease. • Encephalitis. • Craniotomy. • Guillain-Barré syndrome. • Spinal tumours. • Pemphigus vulgaris. PruProtect says that it now covers over 100 conditions with its Primary Cover and 161 conditions under its Comprehensive Cover version. Seventeen of its definitions also now exceed the ABI…
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November 2010 Canada Life: GCI
Canada Life, the UK market leader for group life, has updated its existing group critical illness (CI) policy. Quotes are available now and scheme renewals change from 1 January 2011. The main changes are: • Partnerships with RED ARC and Best Doctors from 1 January. These will provide enhanced individual support for employees and their families. RED ARC’s service includes unlimited access to a personal nurse adviser, who can also arrange further help if needed. That can include a home visit from a specialist nurse, a course of therapy or a programme of counselling. Best Doctors’ service provides medical second…
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October 2010 Zurich: Term
Zurich has added renewable term and convertible term options to its guaranteed rate Level Protection Plan. The two new options are: • Convertible Term. An additional cost option available if the plan has life cover only, this option allows the life assured to convert some or all of the life cover into a new whole of life plan, which then provides lifetime protection on a guaranteed payment basis and also pays on diagnosis of terminal illness). If the plan is joint life, the new plan can be either first (to give maximum protection and earliest payout) or second death (for…
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