Well Woman Insurance

WELL WOMAN - CANCER INSURANCE

Marks & Spencer Life Assurance

Well Woman Insurance was a trading brand of Chartis Insurance Direct, born after AIG in 2009 rebranded due to economic conditions. However by the mid 2010's Chartis changed names back again back to the AIG Direct brand. 

     AIG conducts business in over 50 countries and territories around the world, operating exclusively outside the USA. AIG Life Uk were also the shirt sponsors of Manchester United. ALICO & AIG ( then part of Chartis) had expanded its presence in the Uk via its office operations in Croydon. In 2010 Alico was sold to Metlife

Chartis Direct & AIG Direct UK product range was promoted with TV adverts using celebrities like Gaby Roslin. Also included distribution via Web plus many 3rd party plans via Boots, Barclaycard, Store Catalogues and Pax life insurance.

WELLWOMAN INSURANCE  -  OLD PRODUCT REVIEW 2020

Looking in 2020 to compare old Well Woman Women's cancer products - or alternatively now wish to take out new women's critical illness cover via other Uk leading Insurers ?

WELL WOMAN INSURANCE - FEMALE CANCER Cover  Well Woman Insurance Cancer Cover

Chartis & AIG Direct offered basic branded Critical Illness plans. They concentrated mainly just only on core female cancer conditions and targeted for women & also men in the UK.

           Key features - Standard | Premier | Platinum | Plus

  • Their 4 plans included their branded Wellwoman female cancer life insurance policy, which protected 1/7 female cancers including first diagnosis of breast cancer.
  • One or both ovariesthe cervixuterusvagina, vulva, or one or both Fallopian tubes

      So if you’re diagnosed with one of the gender-specified invasive cancers you may get:

  • £25,000 on diagnosis via Standard Cover 
  • £50,000 on diagnosis via Premier Cover 
  • £75,000 on diagnosis via Platinum Cover 
  • £100,000 on diagnosis with Platinum Plus Cover 
  • Plus all include £1,000 for related early stage cancers which have not spread.
  • £50 per day spent in hospital during initial 90 days upto £4,500
  • Female children were covered for the same organs as women
  • Available upto 75 & any qualifying children to age 18
  • Premiums were reviewable meaning they increased when you moved into their next 5-yearly age bands. 

         Conclusion

  • The original WellWoman Insurance only covered 7 specific types of cancers, so if you were sadly diagnosed with another cancer type or indeed any other type of critical illness then no claim is made. Premium were not fixed meaning they could get expensive as you got older. Likewise it had no life insurance cover element.

WELL MAN INSURANCE -  MALE CANCER Cover  WellWoman Insurance Cancer Cover

            Key features

  • The Insurers plan included a similar Well Man male cancer life insurance policy, which protected specified male cancers including 4 male organs.
  • Testicle/s, Prostate, Scrotum, Penis
  • The policy like Wellwoman covered from £25,000 on diagnosis - plan dependant
  • Male children are covered for the same organs as men.
  • £50 per day spent in hospital
  • Plus £1,000 for specified cancers that can be treated as day cases.
  • Available upto 75 & child age 18

They also offered various protection policies including accident & sickness policies, over 50 + life cover & Business Employee Protection.

In 2020 AIG Direct UK are no longer offering new purchases of...

  • All Cancer Cover
  • Wellwoman Female Cancer & Wellman Male Cancer Cover
  • Personal Accident & Over 50s Personal Accident Insurance
  • Adminstration for Wellwoman old plans is dealt with via either ReAssure or AIG.
  • AIG Europe do still underwrite this product type for Union Insurance & Coverwell

Compare old Well Woman Cancer Cover against Life Insurers WellWoman Insurance Cancer Cover

ReAssure | Wellwoman Insurance

WELLWOMAN CANCER INSURANCE   Frequently Asked Broker Questions

Can you make changes to your Well Woman Insurance policy ?

In terms of changing your insurance policy, often you can request some of the following:

  • decrease or perhaps increase the amount of policy cover
  • remove any specific paid for policy features
  • change the collection date of your usual premiums

The changes could be subject to medical underwriting based on your circumstances at the time & may well affect your premiums. Contact ReAssure or AIG Insurance.

What if my health or lifestyle changes after I have taken the Wellwoman policy ?

Critical Illness Cancer Insurance cover is based on full disclosure at the time you took the policy out ie; being 100% as honest & accurate as possible. So any health or lifestyle changes since usually does not void your existing policy, as it wasn't relevant at that time of initial application. Please check your original policy T&C's 

Are WellWoman Insurance payments subject to UK tax ?

Under current laws, these insurance payments are free of UK income tax. Other taxes can possibly apply, depending on your circumstances. 

WellWoman Insurance - Compare Cancer Insurance

Can you take out any Critical Illness plans that have more comprehensive cover ?

Well Woman is a specific women's Cancer based plan. In 2020 many insurers policies now cover over 50 types of critical illness including the most common types of cancer, plus heart disease, stroke and MS etc; Assuming you are still fit and healthy, if this concerns you, it makes sense to consider taking out more comprehensive cover critical illness cover. 

Is Wellwoman Insurance a lump sum or an income if diagnosed with cancer ?

These types of female cancer insurance plans are designed to pay tax free lump sums, not an ongoing income. If this concerns you, then Income Protection PHI Insurance can also offer peace of mind of a tax free monthly income alongside your Well Woman policy. These policy can usually cover you if unable to work due to any accident, sickness or hospitalisation.

How do Life Insurance Companies proove you are a smoker or non-smoker ?

How do Insurance Companies know if you smoke ? On your doctors notes you declared yourself a smoker or non-smoker. So on the life insurance application, there is no point in lying when you apply, as your policy may not payout & you could waste the premiums and leave your family devastated. Insurers may also do cotinine smokers health test.

If I started smoking after taking out well Woman Insurance - Do I need to now tell ReAssure ?

If you had legitimately stopped smoking for over 12 months at that time of original application, you may wish to advise the Insurers you have started smoking again - but this should not affect the original policy terms which should still stand - you were being honest. Also maybe suggest letting your GP know if this is the case. 

Article on:

     WELL WOMAN INSURANCE

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Wellwoman Insurance - Compare Cancer Critical Illness Cover

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Why are you searching in 2020 for ~ Well Woman Insurance Company products ?
 

Article on: Well Woman Insurance ~ for more information visit aig.co.uk or reassure.co.uk

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Well Woman Insurance  Review 2020 

 

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