Scottish Provident to extend CI coverage

Scottish Provident, a pioneer in UK Protection and now part of Royal London Group, have made further improvements to their long-standing Critical Illness product to keep it at the forefront of this ever changing sector. From July 27th Scottish Provident's Critical Illness cover will include 3 new conditions:

• primary pulmonary hypertension – of specified severity;


• pulmonary artery graft surgery – with surgery to divide the breastbone;


• structural heart surgery – with surgery to divide the breastbone.

This means that Scottish provident will now cover an extended range of critical illnesses totalling 34 should you fall seriously ill.

New product literature revised to reflect these new definitions will be available from July 27, you can request a copy via our website.

Further improvements to the Critical Illness Cover include changes to the HIV definition, now making the definition ABI Plus.
The new Scottish Provident Critical Illness definition for HIV has been extended to include countries outside the EU. This new definition now goes beyond the standard ABI definition for HIV and takes the number of Scottish Provident CI definitions that are ‘ABI plus’ to seven.

As leading early proponents of Critical Illness cover in the UK Scottish Provident strive to deliver quality protection products that meet clients' needs. This is a changing world Scottish Provident understand the need to react by having a range of products that reflect today’s society and help to meet clients' changing requirements.

Commenting on this latest improvement, Michael Cooke noted: "Whilst the number of conditions covered is by no means the only consideration when choosing a Critical Illness policy, it is an easy to understand and simple element that consumers can use to compare products against one another; and Scottish Provident should be congratulated on bringing their total up to 34, equalling the number of conditions covered by rivals AXA, Legal & General & Friends Provident.

"Whilst these products are still bettered by the 35 conditions offered by Scottish Equitable, the 37 offered by Fortis Life and the 38 conditions graded by up to 154 degrees of severity from Prudential they all completely outshine the policies offered by many other insurers with the number of conditions covered as low as 25 with Aviva and the absolutely shocking cover pushed by Halifax to their poor unwitting customers which includes only 13 conditions.

I would urge any clients thinking about buying Critical Illness cover to understand what a policy actually covers before taking it out as these figures show, you cannot assume anything in terms of what you will be covered against under a Critical Illness policy." read more....