Allianz Worldwide Care has introduced a number of revisions to its standard plans, as part of its annual review. The plans are available to individuals and to groups and the key changes are:
* Palliative and long-term care (LTC) cover has been extended. Palliative care is now full refund for an unlimited number of days (previously a maximum of 30 days a year) and LTC has been extended from 30 to 90 days a year.
* Rehabilitation benefit now covers treatment that starts within 14 days of discharge (previously it had to be immediately after discharge).
* On standard Out-patient Plus plans, physiotherapy now covers up to five treatments without the need for prescription or referral. Up to 12 treatments in total are covered initially, with more if medically necessary.
* On the Gold Out-patient Plan, health and wellbeing checks now also cover BRCA1 and BRCA2 genetic testing for breast cancer risk.
* A new dietician fees benefit has been added to the Gold Out-patient Plan. This covers up to four visits with a registered health professional for dietary advice required as a result of diagnosed medical conditions covered under the plan.
* A new prescribed drug benefit has been added to the Gold Out-patient plan. This pays up to £42 a year (or equivalent in US Dollars or Euros) for non-prescription drugs prescribed by a physician.
Full information of the changes and other benefits is included in new benefit guides for employers and individuals, available to download from the website.
What They Say
Head of marketing and client management, Susan Landers, said: “Every year we monitor, review and improve on the level of cover available to our clients. Changes to cover are driven by feedback from our clients, so they often focus on very practical elements which support the way in which our members are actually using these plans. We also believe in the benefits of preventative care and in giving our clients access to the latest proven advances in medical treatment. All of this, combined with one of the lowest rates of premium increase in the market, provides our clients with comprehensive cover and competitive premiums.”
What We Say
"None of these changes is particularly big in itself but, combined, they add up to a useful extra breadth of cover on the plans affected. The changes highlight both changing customer needs and also the very detailed benefits points that can now help differentiate between providers.
"For example, policies that cover prescription drugs may not cover non-prescription drugs prescribed by a doctor. That level of detail can make the difference between a very happy client and a somewhat disgruntled one. One issue with such improvements (a criticism of all insurers not just Allianz Worldwide Care) is whether the insurer should have changed the benefit or improved the cover earlier. Some product reviewers are never happy…"