Health insurance cost cutters. Page 2

Author: Dot Piper

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changes on offer in a bid to address the problem. One idea is suggested by Penny O'Nions, of the specialist broker Onions Group. They have a plan which covers inpatient care only. Any ( best mortgages ) private outpatient care would have to come out of your own pocket and whilst most serious illnesses such as cancer would involve hospitalisation, increasingly these are treated in outpatient facilities and therefore wouldn't be covered.

An excess on your policy (the part you pay yourself in the event of a claim) can gain large savings in your premium. By paying an excess of £100 you could save ( unsecured loans ) around 10% and if you're prepared for an even bigger excess, say £2000, you could halve the amount you pay. This effectively puts a ceiling on the costs of illness.

No claims discounts usually apply to these types of policies and ( life insurance advisers ) you should be able to transfer these if you decide to "jump ship".

As you can see, there's a vast range of options. Many people stick to the same old policies, feeling it's just not worth the effort of transferring but in fact it couldn't be easier. Just go to your favourite search engine, search for insurance brokers and ( travel insurance ) find one which offers health insurance. They'll take your circumstances into account and find the best deal for you. There'll be the additional bonus of an on-line discount.