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BCWA – Personal Health


Personal Health

Type: Individual private medical insurance plan

Minimum-maximum ages: From birth-64

Minimum premium: £18.63 a year, £1.63 a month

Maximum benefits: No overall maximum but individual limits apply to some benefits

Cover provided: Option one – outpatient tests and consultations including diagnostic tests, option 2 –in-patient and day-patient acute surgery including hospital charges, physiotherapy and NHS in-patient cash benefit up to £250 a night, option 3 – complementary therapy including physiotherapy, chiropractic, osteopathy and acupuncture, option 4 – Treatment for cancer and heart conditions each within a £50,000 limit for the life of the policy, option 5 – 50% reimbursement of costs of dental treatment £80-£160 a year and optical treatment £70-£140 a year, access to BCWA helplines

Discount: Low-claims discount of 25% for new policies with potential for a 5% increase a year to a maximum of 50%, 10% non-smoker discount

Commission: Subject to negotiation

Tel: 0117 929 5555


Architectural conflicts

Reading Ian McKenna’s wrap column in August 17’s Money Marketing, I was struck by two things. First, just how enormous the opportunity is for well executed, modern solutions and, second, just what an enormous challenge wrap represents for the traditional industry. After all, how can a life and pension provider deliver returns successfully to shareholders […]

Skandia develops IHT calculator

Skandia is developing an IHT calculator as part of the development of its online wrap proposition. The tool will work out the client’s IHT liabilities based on assets entered into the system and will be live by the end of the year.

Fundsdirect sets up Ascentric service

Fundsdirect has launched its Ascentric wrap service to its seven founding IFAs on the new “blue button” system from Investment Sciences. The new software supports all the existing customers of Fundsdirect, including direct clients and white-label business.

Five new members for the FSCP

The FSA has announced five new appointments to the Financial Services Consumer Panel.Kay Blair, Stephen Crampton and Lindsey Rogerson will join the panel straight away while Michael Chapman and Jenny Hamilton join at the start of next year.Bair has been a member of the Scottish Consumer Council since 2003, Crampton is an independent EU and […]


Out from the long grass? An IT and NI merger

Those with a long memory will recall that at the start of the last parliamentary term George Osborne announced his intention to merge income tax (IT) and national insurance (NI).  Headline grabbing as the initiative was, the reality of the complexities, challenges and costs of such a move resulted in this idea being kicked into the political long grass.


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