Scottish Provident Expands Critical Illness Insurance Cover

31 July 2009 / by Rachael Stiles

Scottish Provident has enhanced the cover offered by its critical illness insurance to encompass a wider range of conditions.

Under both levels of cover available, Self Assurance and Pegasus, the number of illnesses and disabilities now covered by Scottish Provident critical illness insurance has risen to 35, with the inclusion of three new conditions to the cover.

The three conditions being added to Scottish Provident’s cover are primary pulmonary hypertension, pulmonary artery graft surgery, and structural heart surgery.

In addition to the three extra conditions included in the cover, Scottish Provident has extended the critical illness definition of HIV to include countries outside the European Union, which takes this cover beyond the standards set out by the Association of British Insurers.

The number of critical illness definitions that Scottish Provident cover has also increased to seven, which the provider says  is in accordance with its “strategy of offering, greater choice and flexibility.”

Other enhancements to Scottish Provident critical illness insurance include a reduction in the majority of premiums, making important information easier to find in the literature it produces, and removing several exclusions from its comprehensive policy, Pegasus, such as claims arising from criminal acts, drug abuse, flying, and hazardous sports or pastimes.

Scottish Provident has also included four more countries from which medical evidence for claims can be accepted.

Susan Barclay, head of marketing at Scottish Provident, commented: “It is important that we strive to develop quality products that meet our clients’ needs; it’s a changing world and we need to react by having a range of products that reflect today’s society by revising and adding new conditions where necessary.

“At Scottish Provident we realise the importance of covering people for critical illnesses and our products are designed around flexibility and quality, providing the best financial protection, with the appropriate innovative extras”.

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Written by Editorial Team