Policy Standards: I'm confused - are there any standards?

Policy Standards: I'm confused - are there any standards?

There are so many types of health and critical illness policies it can be extremely confusing. Different policies cover different conditions, and have very different definitions.

Standardisation across the Insurance industry has made easier comparisons, policies more transparent and health insurance more widely accessible.

The Association of British Insurers (ABI) have set out minimum standards for critical illness products. In brief the standards are:

A standard product must cover certain medical conditions, referred to as ‘core’, and ‘additional’. Conditions that fall outside of these categories must be specified and referred to as ‘extra’.

The ‘core’ and ‘additional’ conditions must themselves satisfy an ABI-standard, to ensure wide and clearly defined coverage.

We have used this classification in our list on our page: Medical Conditions Covered  

A notice to a Buyer:

Total and Permanent Disability (TPD) is a very important medical condition, often providing debilitating for the individual and a caring role for a member of that individual’s family. However, it is not included in the ABI standard categories.

How Total and Permanent Disability (TPD) is defined is also important. Cheaper and less scrupulous policy producers will compromise on Total and Permanent Disability, either by not including it, or by defining it in such a limited way that it virtually impossible to claim against.

Housing News for 2014

OPL Limited supplied and installed 3no. 8kg high spin Electrolux commercial washers and 3no. Huebsch industrial tumble dryers on behalf of the Central & Cecil Housing Trust . The washers were supplied with the Comestro key system which would only allow authorised residents with the charged key to operate. 

An ozone laundry system was also supplied and installed to each heavy duty washer which provided the residents with total infection control and gentle processing and the housing association with an eco friendly laundry facility.

Heart Disease Cannot be stopped but the liklihood can be reduced.

Heart disease and stroke are the two most important causes of serious illness and premature death in Western society. The aim of this book is to help you reduce your chances of suffering heart disease or stroke, and to advocate a way of life that will combine health, longevity and happiness. more


  The web site does not have answers to all problems. Answers to specific problems may not apply to everyone. The materials in this web site are in no way intended to replace the professional medical care, advice, diagnosis or treatment of a doctor. If you notice medical symptoms or feel ill, you should consult your doctor.