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Business, Financial, Financial Information, Financial Services, Insurance, Insurance Services, Money

Health Insurance Is Cheaper Than You Might Think

In recent weeks it has been reported the National Health Service (NHS) will face a shortfall of funds as the previous big spending boom comes to an end in 2011. At the annual NHS confederation conference in Liverpool, the report ‘Dealing with the downturn: the NHS’s greatest ever leadership challenge’ stated if extra money wasn’t found for the NHS in 2011/2012, it was in danger of no longer being free at the point of service. This is the worst case scenario, but even if it doesn’t come to pass, Brits could face longer waiting lists and an overall poorer experience – alarming news for the many people who don’t have private health insurance.

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There is the general view that private health insurance is an expensive and unneccessary cost to add to your monthly outgoings – however Insurancewide – a specialist UK insurance comparison website is urging people to take a fresh look, as it might not be as expensive as they think.

Cheap Health Insurance – Benefits and Comparisons

As with most types of insurance, health insurance can be as cheap as you like, or you could go for a more expensive option – when purchasing health insurance it’s definitely worth investing a little time and effort into making the right decision. There are usually three levels of cover on offer – budget, standard and comprehensive.

Budget health insurance covers treatment but usually sets the payouts at a certain level and limits the range of hospitals the patient is able to visit. Standard plans can cover some outpatient treatment and in some instances limited complementary therapies, and premium health insurance will cover elements such as home nursing, ambulance services, all complementary therapies and treatments with no limit on cost. If you fall ill, and you have even the most basic and cheap health insurance, you can rest-assured that you will be able to bypass NHS waiting lists, choose a private room for treatment and have most, if not all, your medical bills covered – depending on the length of your illness.

So, whilst you can buy expensive health insurance if you can afford it, basic plans can still give you the peace of mind of knowing you are covered should you fall ill and need treatment immediately – and with the latest doom and gloom predictions regarding the NHS such peace of mind is very valuable. Insurance comparison sites are a quick and effective way of comparing multiple health insurance quotes from various different providers, allowing you to make a decision based on your needs.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powered tools used on popular website Confused.com.

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Insurancewide, A Leading Insurance Comparison Provider In The UK, Is Urging Insurers To Offer Consumers More Flexibility When It Comes To Health Insurance

The call comes shortly after Tesco Insurance announced it was launching new levels of health cover in response to a customer survey asking for greater flexibility towards private medical insurance. The insurer revealed that it would be adding three new cover options to its list of health insurance products: Operations and Procedures, Consultations and Tests and Additional Therapies. New customers will also have the option of getting three months free when they sign up to Tesco Health Insurance.

Although figures from the Association of British Insurers indicate that the number of people covered by private health insurance is on the rise, with a 2.7 percent increase registered in 2008, Insurancewide believes that further measures can be taken to make medical cover more accessible to the general public.

Making UK health insurance policies more flexible

Since the UK has provided its population with free health care on the National Health Service for over half a century, many Brits tend to look upon health insurance as a luxury rather than a necessity. Yet with medical threats like swine flu making their way closer to home, and NHS waiting times showing no signs of getting shorter, many people have effectively come to consider private health insurance as a requirement and a valuable source of peace of mind.

However, despite this widening market, many health insurers continue to sell general medical insurance packages without giving customers much room to tailor their policy to their own requirements. For instance, a family of four may wish to have a policy weighted towards paediatric care, while a young, single man in his twenties may want to purchase a health insurance policy containing options for alternative therapies such as acupuncture and physiotherapy. Others – especially people who already have a life insurance policy in place – may want to pay less for medical insurance without accidental death cover.

Insurancewide allows customers to compare health insurance policies across the UK market, making it simpler for users to request quotes and contrast policy benefits in order to choose a plan that’s right for them. However, to provide consumers with even more flexibility, the insurance comparison provider urges medical insurers to offer consumers greater choice to build policies to their own requirements, and offer policyholders insurance packages that are bespoke, comprehensive and affordable.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powered tools used on popular website Confused.com. Insurancewide is FSA regulated.

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Business, Financial, Financial Information, Financial Services, Insurance, Insurance Services, Money

Health Cash Plans Could Be Your Ideal Medical Insurance Option

Unlike in the United States, people in Britain very rarely think of health insurance as an essential outgoing thanks to the National Health Service (NHS), one of the world’s pioneers in the provision of social health care. However, as strains on the NHS grow across the country in the form of both population growth and the pressure to keep up technologically, many Brits are now considering health insurance as an added guarantee that they will be able to receive medical treatment – whether it’s public or private – in their hour of need.

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Nevertheless, many of these people are also concerned about the effect this added expenditure may have on household budgets, particularly as the recession continues in the UK and fears of job cuts remain high. Yet it’s important not to let economic constraints get in the way of providing for your health – by looking in the right places, it’s possible to find affordable health care plans for both individuals and families. Health cash plans, for example, often provide a bespoke form of health insurance that can fit right into your monthly budget.

What you can get out of a health cash plan

Essentially, health cash plans allow you to claim back money against medical expenditure, including visits to the optician and the dentist – both areas of health care that are not completely covered by the NHS . If you have teeth that need special attention, this type of dental health insurance could be invaluable if it covers check-ups, dental x-rays and hygienist visits. What’s more, if you have less than perfect vision, optical costs covered by health cash plans often include prescribed glasses and contact lens subscriptions. Being able to claim back these costs could make a huge difference to your household budget.

Some health cash plans even provide insurance benefits which extend to complementary therapies, such as osteopathy, physiotherapy and even acupuncture. The ability to receive these treatments and claim back the costs on your insurance could make a significant difference to your quality of life. For instance, if you have a recurring back injury that is keeping you out of employment, physiotherapy treatments could be essential in helping you get back to work. In addition, acupuncture could be a beneficial way to beat the effects of stress, a common complaint during times of recession.

Compiling your health cash plan

To find the health cash plan that best suits your health insurance needs, it’s crucial to shop around to seek out the best deal. Some health cash plan providers may let you pick and choose your cover option in order to tailor-make your policy to your medical needs – a feature that could be particularly important if you suffer from a recurring condition. And with some insurance providers offering one month free or cash back benefits, you can be sure that you’ll find plenty of opportunities to find the health cash plan that’s right for you and your family.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools which allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet.

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Business, Financial, Financial Information, Financial Services, Insurance, Insurance Services, Money

Patients Should Turn To Health Insurance For Dental Care, According To Insurancewide

As a recent study from SimplyHealth indicates that people in Britain are struggling with the cost of dental care, Insurancewide – a leading UK insurance comparison site – is urging people to turn to health insurance as a way of reclaiming this expense.

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According to the Simplyhealth Annual Dental Survey released in April 2009, one out of every three Brits is struggling to find an NHS dentist, a figure that’s up from just under one in four in 2008. The situation is particularly bad in Plymouth, where over 50 percent of people cannot find an NHS dentist. What’s more, over half of the respondents said they were putting off visiting the dentist for fear of how much it may cost. As a result,Insurancewide is urging these patients to consider taking out a health insurance policy that includes dental cover as a long-term money saving measure.

What to expect in dental cover from a health insurance policy

Before choosing a health insurance plan with dental cover, it’s important to consider what’s most important to you – for instance, do you want regular check-ups with the dentist to be covered by your policy? Or you may consider emergency dental treatment a must in your cover options. Generally, most dental insurance plans will include cover for both these events, but it’s crucial to check your policy before purchase nonetheless.

With a comprehensive dental insurance policy in place, patients can often claim back 100 percent of their dental costs (as long as they fall within their annual limit for the year). Claims can usually be made straight away and cover may be extended to include other family members at a minimal weekly or monthly cost. Dental health insurance also gives patients the opportunity to visit an NHS dentist or private orthodontist. So not only could it help eliminate the unpredictable cost of visiting the dentist, dental cover could even make it considerably easier for patients to find dentists in their local area.

Insurancewide specialises in allowing people in the UK to compare health insurance providers across the market and obtain competitive health insurance quotes. By carrying out an insurance comparison, it’s possible to consider both the price of health cover and what’s included in particular policies. For instance, some health insurance plans may include dental cover as standard; others may offer it at a higher premium. Initially, health insurance premiums may seem like an extra monthly outgoing but their long term benefits are likely to make visits to the dentist both more affordable and convenient.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools which allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet.

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Financial Services, Insurance, Insurance Services, Money

BBC Money Programme exposes the shortfalls of irresponsible price comparison websites, but insurance comparison fared better in the programme than loans or energy websites and most insurance comparison websites do not focus on price alone; far from it

BBC2’s Money Programme (Price Comparison Sites: Deal or No Deal) was right to expose the shortfalls of irresponsible price comparison websites. Insurance comparison fared better in the programme than loans or energy websites and it’s important to remember despite the programme title that most insurance comparison websites do not focus on price alone; far from it.

Consumers MUST be able to trust insurance comparison websites. It’s the job of a decent aggregator to be on their side, to help them understand exactly what level and type of insurance cover is being recommended and pay only what the sites have quoted them in their initial search for a policy.

As the BBC points out, comparison websites are a growing industry and are here to stay. We have a responsibility to provide accurate and clear information including guides and advice about all types of insurance. That’s surely the only way people can make informed choices.

As the original insurance comparison website, pioneering the industry since 1999, we see ourselves as the custodians and we’re concerned that some insurance comparison websites are making it difficult for consumers to trust the industry. At Insurancewide we guarantee clarity, honesty and privacy and there are no surprises. We want our customers to trust us; we’re on their side.

We reject insurers who ‘spam’ our customers or misuse their information and we reject insurers who do not return accurate prices. And the BBC was wrong about self regulation “fizzling out”: we have been closely involved all year in discussions with regulation bodies about the rules that govern our industry. It’s simply not in our interest to flout guidelines or mislead customers.

The Money Programme was also incorrect in saying that all comparison websites are paid by revenue from ‘click-throughs’. Insurancewide.com only ever receives a fee if its recommendation is taken up by the consumer and the policy is bought.

About Insurancewide
Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes.

Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powers tools used on popular website Confused.com. Insurancewide is FSA regulated.

Harvey is passionate about getting you the best insurance deals possible.

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Insurancewide.com Has Signed A Fourth Annual Agreement With Tiscali To Continue Acting As Tiscali’s Preferred Insurance Comparison Partner

The alliance offers visitors to the Tiscali website a respected online comparison service for those seeking motor, home, travel, life, pet and many other types of insurance as well as advice on how to navigate the crowded insurance market and decipher the small print.

This agreement with Tiscali is the most recent in a series of significant partnerships for the newly relaunched http://uk.insurancewide.com and further consolidates the site’s position as the leading provider of an impartial, consumer-facing insurance service.

A spokesperson for Tiscali says: “Insurancewide provides a real plus to visitors of our Money Channel and increases the probability of finding the most relevant insurer for their needs, which is the first crucial step to finding the best price.”

Insurancewide.com‘s cutting edge search technology enables the service to interpret each customer’s unique, keyed-in requirements quickly and accurately, and to provide an instantly accessible list of relevant, best-value insurers.

Insurancewide supplies this online comparison technology to more than 50 websites across the UK. Many are of these are white label agreements, reflecting the credibility of Insurancewide.com for finance portals as a respected, integral part of their core service.

James Harrison, chief executive of Insurancewide.com, says: “This partnership gives us another opportunity in our rapidly growing network of partners to offer genuine choice to people who want to compare relevant insurers; we don’t just identify the cheapest prices at any cost.”

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UKs Best Online Insurance Comparison Service, insurancewide.com, Breaks New Ground This Week In A Re-Launch Of Its Website For Insurance-Seekers.

The UK’s original and still the best online insurance comparison service, insurancewide.com, breaks new ground this week in a re-launch of its website for insurance-seekers. Its promise to deliver an insurance comparison service for every type of customer sets it firmly apart from other aggregators.

The new service will guarantee accurate live prices with no surprises and a ‘buy-now’ option, the best quality insurers, a clear insurer ratings system and supportive guides for every type of insurance. Car insurance remains the largest part of the business but the service also compares every other type of insurance relevant to individuals, their families and their homes.

In addition, the site re-launch features a brand new travel insurance comparison tool. It is the only complete travel insurance comparison service in the market, providing guaranteed live prices and a guaranteed minimum level of cover and immediate buy-now links to current policies from the top travel insurers. Unlike all other travel insurance comparison services, you only fill out one form in the entire process and your details will be remembered when you revisit.

Insurancewide.com will lead the crowded comparison website field with its new promise: “Insurancewide, we’re on your side.” Launched by current chief executive James Harrison in 1999 and now in its fourth phase of evolution, Insurancewide.com believes it has thought of everything. Mr Harrison described the new site today as,“finally, the insurance comparison service you can trust.”

He adds: “This project has been two years in the making. We’ve simplified the user experience but behind the scenes we’re proud of our unmatched attention to detail. In short, we have revolutionised the way people are able to shop for insurance. We did it when we launched the very first comparison website, and now we’ve done it again. We’ve confronted all the issues that consumers face when using aggregator sites and we’ve solved them.

“We cater for the most unusual insurance requests. Whatever your history and circumstances, we’ll direct you to the right insurer, whether you’re a driver with convictions or own a 7-seater imported land rover; a long-haul adventure traveller or the owner of thatched cottage with a flood risk.”

“There’s been widespread debate about how accurate and trustworthy comparison websites can be. Many sites make false assumptions about a customer’s profile and so it’s impossible to guide them to exactly the right deal. However, we’ve developed the technology to be able to ask only the most relevant questions and to explain why we’re asking them. This means we provide a clear picture of what customers will get for their money. We constantly test our service with insurers to make sure the prices you see are the prices you get. In short, we are here to look after our customers. This includes ensuring that insurers never spam customers and or sneak in huge policy excesses.”

Insurancewide is home to an impressive distribution network supported by all major personal finance portals including Yahoo, eBay, AOL and Tiscali.

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