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Beating the NHS queues

AIG Europe has designed the healthnow plan for the group budget PMI market. Healthnow is aimed at small to medium-sized UK companies with five to 200 employees.

Premiums start from £7 a month for a male aged 18 with cover available for 128 procedures with the longest waiting times on the NHS. These include operations for cataracts, squints, gall stones, heart bypasses, hernias, varicose veins, slipped discs and hip replacements.

If the client is diagnosed for a condition that is not covered by the list, AIG Europe will give advice about the fastest way to get NHS treatment. The product does not cover any accident or emergency treatment or physiotherapy.

Healthnow is unusual as it limits the cover to the procedures with the longest NHS waiting times. It also has low premiums compared to other group budget PMI plans.

Based on a male aged 18 its nearest competitors include Norwich Union&#39s healthcare trustcare starter with premiums from £10.31 a month and Exeter Friendly Society&#39s Exeter care low-cost plan with premiums from £9.95 a month. However, both rival plans cover a wider range of procedures and treatments.

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