Paymentcare has ended discrimination against gay couples by offering an addition to its payment protection insurance policies that pay out for carer cover when a partner requires full-time care due to illness.All Paymentcare’s policies now offer carer cover and hospitalisation as an extra benefit at no extra cost to couples that live together. Shane Craig, managing director of Paymentcare, says: “Until now same sex couples have been discriminated against by insurers, causing enormous financial difficulty for many people at the time they need help the most. Our policies treat all clients the same.” The firm’s policies are designed not to discriminate against those affected by AIDS or HIV. Policyholders who are certified by a consultant as being unable to work solely due to AIDS or HIV will be able to claim under a Paymentcare policy. Craig adds: “As AIDS and HIV is as likely to be the cause of debilitating illness for gay men as any other condition it is grossly unfair to class this as an acceptable reason for not paying out. “People are being ripped off mercilessly by the payment protection insurance industry. Paymentcare’s aim is to provide an alternative that is affordable, useful and reasonable for everybody and same sex couple carer cover is a step towards our goal.” Paymentcare offers low cost standalone policies with no excess periods. Premiums are paid monthly meaning charges are transparent, unlike some banks and loan providers which add the cost of their PPI to the loan and then charge interest on the full amount.