Online Health Insurance Purchases Are Increasing in UK

The increase in online purchasing of Health Insurance in the UK continues. Is the market growing for individual and family product? Or are people just looking more closely for the better deal on their renewal?

(PRWEB) February 19, 2006 -- The purchasing of Health insurance online in the UK is certainly on the increase. Some websites offer a complete service in that the customer can purchase the policy directly from the site and others accept the customer’s details and they then call to discuss their requirements. For example at www.privatehealthservice.co.uk this is the preferred way of dealing with a customer enquiry. The benefit of talking directly with the customer allows the chance for best advice to be given and areas such as underwriting, pre-existing conditions and level of benefit can be explained in more detail.

From speaking to a number of Agents that work as Independent Specialist advisors in the Health Insurance sector, it seems that many of the enquiries are from people that already have Health Insurance but want a better deal on their renewal. By speaking to a Specialist Advisor they then can be advised what is in their best interests to do when considering changing Health Insurance provider.

One main area that can be considered on renewal to save money is applying an excess to the policy. Some policies already come with a mandatory £100 excess but by increasing this to a higher level can significantly reduce premium. The types of exess's are per person per benefit year, per claim and per excess year. Remember to ask your Health advisor to clarify the difference between each one depending on the policy you may have.

The health insurance market is ever changing and providers are always looking to bring out new and innovative products. AXA PPP have a company plan targeted at companies with 12 or less employees. The plan is Business Choice and can also be set up as a 1 person scheme which is a positive move. Apart from having the choice and flexibility of allowing the customer to choose the level of cover required it also has business and legal advice lines as part of the plan. On top of that customers receive a £500 cash benefit for a 5-9 night stay in hospital. With a 24 hour health information and counselling line this makes for an excellent product and is competitively priced.

If you are considering changing your present provider contact your Specialist advisor or visit www.privatehealthservice.co.uk

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