Switch terms to be offered on group H4L '4 in 1' policies

Healthcare 4 Life (H4L) has introduced transfer or 'switch' terms and conditions for its group '4 in 1' policies launched earlier this year.

The 4 in 1 policy offers a choice of four plans with combinations of in-patient, outpatient, post-hospitalisation and other benefits.

Wendy Young, chief executive officer of H4L, said: 'With the launch of our innovative group scheme which has no age-related premium increases, it was important we followed this up with the introduction of switch terms as this class of business accounts for between 50%-80% of the group PMI market.'