Quality Product Research: Proposed rating for Benign Brain and Spine Tumour

Introduction

The World Health Organisation states that 130 different types of brain tumours exist. A benign brain tumour is a non-cancerous growth in a distinct area of the brain. The survival rates for patients with benign brain tumours are higher than others, however this depends on the size and location of the tumour within the brain.

Proposed sub-items

Capture

Notes

There are some noticeable differences between insurers such as whether partials exist, or if the spinal cord or tumour on the pituitary gland is covered. We have tried to make the sub-items clearly demonstrate the variation between insurers.

Why is this important?

Although QPRs weighting of this item is low, it would be of high interest to those that have a family history of brain cancers. With a lot of insurers now having specialised cancer products we would like to ensure that our rating is relevant. 

Your feedback

We value getting your feedback on how these wordings are being applied to claims you may be aware of. Please email us with details of any recent claims to help us update our understanding.

Doreen Dutt, Research Analyst, Quality Product Research Limited, researcher@qpresearch.co.nz


Recent Product Updates

QPR subscribers have just received the latest database version (138) it is also live on Quotemonster, the changes in this version include:

* Cigna - new policy document 11/11/2020 -  rating changes applied

* Unimed - new policy document 01/08/2020 -  rating changes applied

* AA Health - new policy document nib366402 and nib366401 effective 01/05/2019 -  rating changes applied

* ANZ Life and Living - new policy document A0006 effective 31/01/2020 -  rating changes applied

* Momentum Life: - New policy document for Life 2633-MLPL2-PW 22/10/2020, New policy document for funeral 2667-MLF6-PW 21/09/2020 - Rating changes applied

* Revised view on: Medical - Treatment (overseas)


How do I offend thee? Let me count the ways....

In an awful appropriation of a line from a beautiful Elizabeth Barret Browning poem, I shall ask "How do I offend thee, let me count the ways..." as the headline for thinking about advertising.

A friend of my wife's think the Momentum Life advert featuring nude middle aged people is in poor taste. Oh no, not for her the need to be reminded that skin is not so toned, nor body quite so pert, as it once was. This was slightly surprising, because at other times this person is not afraid of being forthright, or engaging in bawdy humour. But I must not digress.

A key axis of tension in marketing is between these two ideas:

  • Show images your audience will identify with, but might be a bit too realistic
  • Show images your audience will aspire to, but might be a bit too unrealistic

You can be criticised for only showing beautiful people, or people of just one type, or only thin people, or...

You can be criticised for showing too much reality - older people with average bodies, people not speaking perfectly, mess, vox-pops etc...

As an advertiser, using a medium that reaches many people, only one thing is certain: you will be criticised.

I actually think the Momentum Life adverts were quite good. In some respects, very good. The cliche of 'shopping naked' is an obvious reference for a company wishing to highlight its ease of application process. A further reference may be to the exposure that one feels when completing application forms, something Momentum rarely requires.