CIExpert has analysed the latest alternations from Bright Grey' to its menu-based critical illness (CI) policy.
Alan Lakey, director of CIExpert said "With Royal London deciding that Bright Grey and Scottish Provident should differentiate their offerings and compete as separate organisms this is the first upgrade by Bright Grey as part of the initiative.
"They have included three additional partial payment conditions and have upgraded the major organ transplant claim wording. The partial payments extend to the lower of £15,000 or 20% of the insured amount."
Carcinoma in situ of the oesophagus affects around 200 each year of which over half are over age 65 and three quarters are male, Lakey highlighted.
Up to 400 people suffer from Carcinoma in situ of the testicle each year but only 250 instances of orchidectomy (removal of a testicle) are carried out. Around 50% of these operations are carried out on the over 65s.
Each year nearly 3,000 people are diagnosed with carcinoma in situ of the urinary bladder with diagnosis being progressive linked to increasing age. Only 35% of sufferers are aged below 65.
It affects four times as many males as females, CIExpert said.
Additional Partial Payment Conditions
Carcinoma in situ of the oesophagus
Requires a definite diagnosis and surgery to remove some or all of the oesophagus.
Carcinoma in situ of the testicle
Requires a definite diagnosis and surgery to remove one or more testicles.
Carcinoma in situ of the urinary bladder
Requires a definite diagnosis but excludes non-invasive papillary carcinoma, stage Ta urinary bladder carcinoma and all other forms of non-invasive carcinoma.
Major Organ Transplant
Like a number of other insurers Bright Grey has extended cover to include the transplant of a lobe of the liver or a lobe of the lung.
We caught up with Hayley Grimshaw at COVER Excellence Awards 2018
We caught up with Katya Maclean at this year's Excellence Awards
New entry process
'A small number of people lie on their insurance applications'