Zurich has introduced a complete redesign for its new range of critical illness plans.
The insurer has introduced three levels of cover enabling consumers to select from a core version, a comprehensive option or an ‘all-inclusive’ plan.
Additionally, children’s cover has been rendered optional with a choice of two levels with the sum insured ranging from £10,000 to £100,000.
Pregnancy complications and congenital coverage are also now available as separate options.
Furthermore, a number of conditions have improved claim wordings, in conjunction with the addition of a number of new options.
A spokesperson from CIExpert said: “The concept is based around offering clients of all ages, needs and budgets a far greater choice.
“Being able to add to the cover or to discard those elements of the plan that is no longer required far more accurately reflects the clients’ needs both now and in the future.
“Whilst many advisers and consumers focus on simplicity, many others are focused on choice, quality and flexibility and Zurich is catering for all of these differing needs and budget with this innovative modular design.”
They added: “By rendering children’s congenital cover optional Zurich is ensuring that the cost of this cover can be removed at any time to avoid paying for coverage that is no longer required.
“This is the first major change in policy design for some years and we anticipate that it will have significant impact on the market going forward.”
