The Scottish Mail on Sunday

How the big four in­sur­ers mea­sure up on deal­ing with group leavers

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NEW pre­mium is based on claims made by the mem­ber only within the group scheme (rather than pooled with other mem­bers, where costs can be lower). Aviva will al­low part­ners and chil­dren to con­tinue with cover in their own right.

PRE­MIUM will de­pend on ap­pli­cant’s an­swers to their ques­tions, with the big­gest price hike if there is treat­ment planned or pend­ing. Part­ners and chil­dren can con­tinue with cover on their own.

NEW cost based on an­swers to four risk ques­tions, with the big­gest in­crease if treat­ment is pend­ing. But Bupa will not al­low part­ners and chil­dren to con­tinue with cover on their own, so the main mem­ber has to con­tinue as well if de­pen­dants re­quire con­ti­nu­ity of cover.

IT ASSESSES an in­di­vid­ual’s claims his­tory and places ap­pli­cants into one of two streams. Those with an un­event­ful claims his­tory get com­pet­i­tive pre­mi­ums and a choice of ben­e­fits, while those with an ad­verse claims his­tory are of­fered a fixed plan at a loaded pre­mium.

The in­surer will not al­low part­ners and chil­dren to con­tinue on their own.

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