Aviva has made adjustments its business, D2C and Santander white label plans, altering condition definitions to bring them in line with its personal plans.
For instance, less advanced prostate cancer was removed from its cancer definition in 2002 but is now included if treated by prostatectomy.
Consequently, it has been removed from the Less Advanced Cancer of the Prostate definition – and this will result in a small increase to future cancer claims.
Additionally, Aviva’s dementia claim wording has been adjusted to confirm that permanent clinical loss is no longer required.
Alan Lakey, director at CIExpert said: “As proponents of simplicity we applaud harmonisation as it reduces confusion amongst advisers and consumers alike.
“The cancer and dementia wording changes will also result in additional claims being paid creating confidence with the public.”
Loss of speech has also been removed from Aviva’s business and D2C plans – again falling into line with the personal plan made available via advisers.
And heart attack claim wording has been tweaked for clarification purposes.
Lakely added: “Other ABI members have until the 16th of September 2023 to make the necessary amendments to their plans so 2023 is likely to be busy with insurers taking this as an opportunity to improve their plans.”
