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Health Insurance

What’s the best way to compare health care plans?

Health insurance differs from other types of insurance, and it is really important to compare different health care insurance plans.

These plans can widely differ from each other in three or four main areas, and understanding them can allow you to compare policies on a like for like basis.

These differences relate to types of costs, where the treatment can be carried out and by whom, and the type of medical care provided.

Cost

Every insurance policy has a premium, but health insurance plans have other features that can affect the overall price of the policy. These costs can be referred to by different names, but are normally called deductibles, co-payments and co-insurance.

A deductible is similar to an excess on most other types of insurance, but is normally a much higher percentage of claim retention than say a car or home insurance policy.

Co-payments and Co-insurance are costs that relate to two different areas.

Co-payments are normally for relatively small areas of payment, such as frequent visits to a primary care physician, and Co-insurance normally relates to an overall percentage cost of any overall treatment that the policyholder incurs.

Taken together, these costs can be quite considerable. A thorough comparison of healthcare plans beforehand can help clarify which companies are likely to be most cost-effective.

In / Out Networks

This is a key feature of many healthcare plans.

A network refers to a specific number of hospitals, clinics and clinicians, that the insurance company will have arranged contracts with, and will specify where any treatment needed will have to be carried out, and by whom.

These hospitals and clinicians, are referred to as being in network, i.e. centres that the insurance company works with.

If a policyholder wants to seek treatment at another hospital or clinic, then these are referred to as being out of network, and either will not be covered by the policy, or will cost significantly more than ‘in network’ treatment.

This area of networks affects the choice of clinicians. For some people, this will be an issue, for others not so much so, but it is important to be aware of it when comparing policies.

Pre-existing conditions

This is a term that many people will be familiar with. It is really important to check whether the health care plan excludes any existing medical condition, that has either been treated in the past or currently exist. Policies differ widely in this area.

Aside from pre-existing conditions, it is also important to check if the policy covers recurrence of other conditions that might not be pre-existing conditions but occur for the first time during the time of the policy.

These might be treated successfully, but then recur later. Some policies might exclude such a recurrence, others would not.

Dental / Optician costs

A number of healthcare plans specifically exclude any type of dental or optician related treatment and costs. If a plan does include them, they are likely to be quite expensive. It is always worth getting alternative quotes for these types of policies, and then being able to compare them on a similar basis.

Finding the best health care plan is easy, all you need to do is make the most of our comparison tool on Compare Insurance – make your application now and get results in minutes.

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Categories
Car Insurance

Need short term car insurance in a hurry? Find the right deal with a comparison tool

Finding the right car insurance deal for you has traditionally been a time consuming process. Now, however, thanks to the growing presence of the internet you can get a deal in minutes. That isn’t just for ongoing insurance, too – if you need short term car insurance, a comparison tool can help you find the perfect package for you.

Finding the right insurance deal

If you need temporary car insurance, make sure you use a comparison tool to find it. Whether you need just one day car insurance to cover a specific journey in a certain vehicle, or coverage that lasts just a few weeks or months, you will be able to tailor the options available directly to your needs and requirements.

It couldn’t be easier – all you do is put in your details via your application, state the term you want the insurance coverage to last for and you can find the perfect deals. Multiple insurance companies will then give you quotes based on your application, allowing you to find the right offer for your circumstances.

Whether you’re looking for a deal that’s more focused on budget, or you want to make sure you have the specific level of coverage that you need, you can find it by just making one quick and easy application.

Saving money and time

You might think it takes a long time to get offers back from multiple insurance companies – the truth is, however, that it takes mere minutes. Make your application and you can see a variety of offers of the best deals companies can offer you. This means you can easily contrast and compare to get the right level of temporary cover. For our full guide to short term insurance click here.

It’s so simple and easy, when you choose the level of cover you want, all you need to do is confirm the application with the insurance company you have chosen and that’s it – you’ll be covered!

Finding the best temporary car insurance is easy, all you need to do is make the most of a comparison tool such as you’ll find on Compare Insurance – make your application now and get results in minutes.

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Categories
Car Insurance

Three smart reasons why you should shop around when renewing your car insurance

When your car insurance is up for renewal, automatically renewing your insurance may seem like the easiest option. Car insurance companies thrive on customer complacency, however, and by taking time out and browsing through a cheap auto insurance comparison website, you could save yourself a lot of money in the long run.

Here are three smart reasons why you should shop around:

1. Car insurance rates constantly change

Car insurance companies constantly review and monitor their prices. These prices are based on a wide range of influential factors and statistics which change quite quickly. So a quote you receive today may be significantly different 30 days later. Factors that influence their pricing strategy include how many liability claims they have paid out over a given point in time, accidents, reports of vandalism, and increased claims in your area. Even traffic patterns and the weather can impact on the price.

2. New customers get better deals

A majority of car insurance providers offer discount incentives to attract new customers. The discount is usually for the first 12 months of the car insurance policy. Thereafter, the renewal is unlikely to be incentivised and will go up in price so it’s worthwhile comparing your car insurance online every year.

3. Your car depreciates and loses value over time

From the moment you buy your car, it will lose value. So it’s only fair to ask, why should you pay the same insurance rate every year for a car that has less value than it did 12 months ago? By reviewing your car insurance policy every six to 12 months to take into account the vehicles decreasing value, and revising your coverage options to suit your circumstances, you could make a considerable saving.

Comparing car insurance quotes online takes minutes. Searching for your car insurance renewal couldn’t be easier using our online comparison tool. Simply fill in your details and the comparison tool will produce a range of car insurance deals for you to choose from at the most competitive prices.

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Categories
Health Insurance

The factors that could affect your health insurance

Insurance is an unapproachable topic for many – there are stigmas that it’s confusing, unfair, or too complex to worth bothering with. One of the biggest myths is that it’s a blanket rate for everyone wanting to invest in a health insurance policy. The reality is that there are several different factors that could affect how much you pay for your health insurance each month, as well as the packages you could be entitled to.

If you’re looking to buy health insurance, read on to learn about the things that could alter the costs.

Age

Though it might seem unfair (you can’t help ageing, after all!) your health cover costs are likely to rise the older you are. This is simply because you’re more likely to make a claim as you become more susceptible to illness and injuries. Keeping yourself as healthy as possible into old age will help to minimise this higher cost.

Living location

Socioeconomic differences are a real thing, and they could also have an impact on the price of your health insurance. Especially with private health insurance, the area of the UAE you live in could affect how much you pay; some of the factors within your area that will affect you include the surrounding facilities available, the quality of accommodation, and the individual fees charged by the specialist.

Claim history

Applying for health insurance with a clean history of no prior claims will most definitely get you a cheaper payment rate than, say, if you’ve made four previous claims on a particular policy. This could also impact the premiums available to you, and the renewal time of your insurance.

Adding family members

When investing in medical repatriation, you might also have the option to add other family members onto your plan. Obviously, this will again drive the price of the health insurance plan up – as you might find yourself being offered discounts or other deals for choosing to add other people.

If you’re looking for more information on comparing insurances in the UAE, look no further than Compare Insurance. Browse our website today for the full range of insurance comparison resources carefully curated by our experts.

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Categories
Travel Insurance

Need last minute travel insurance? Use a comparison tool to find the right deal

Travelling requires a lot of planning, and in the midst of ensuring that you have the right dates booked, your accommodation arranged, and your itinerary locked in, it can be easy to forget things. One such thing you might forget, which you really don’t want to, is all-important travel insurance.

If you’ve left it to the last minute and still don’t have your travel insurance arranged, don’t worry – you can use an online comparison tool to find the best travel insurance to get for your budget.

Finding travel insurance the easy way

If you’re all packed and ready to go on your trip and need to find travel insurance at short notice, the best way to do it is by going online and using a comparison tool. You can get a range of both domestic and international travel insurance quotes delivered to you in just a few minutes, for easy comparison.

All you need to do is input some personal details and details of the journey you’re going to make, along with deciding the level of cover that you want to invest in. With that, the comparison tool will do the rest of the work for you, providing you a range of deals and options for you to compare and contrast.

When you have found the right deal for you, the application takes mere minutes.

The benefits of using online quotes

Arranging your insurance online means that the time and effort is taken out of finding the right deal for you. If you’re browsing for last minute travel insurance, you can be confident that your insurance plan will actually start on the day you want it to. This is the benefit of online insurance.

Your quote can be delivered online, and your application can often be made online too. Once it’s processed, you know that you’re going to properly covered by the time you leave your home.

If you’re going on a holiday or a trip, whether it’s domestic or international, it’s never too late to arrange your last minute travel cover by using an online comparison tool like Compare Insurance.

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Categories
Health Insurance

Use a comparison tool to browse healthcare plans before you buy

Health insurance coverage is an essential consideration, but you never know what’s around the next corner. Even if you’re currently healthy, we can all fall victim to ill-health without seeing it coming. Health cover can help you stay financially secure through those difficult times – but how do you find the health insurance plans for family?

With so many different health care plans available, use a comparison tool to find the right one for you.

Browse before investing

There is a multitude of health cover plans available, covering all manner of different ailments. You can find health insurance that covers a general list of common complaints, such as cancer and diabetes, etc. Or you can also find cover that deals with specific illnesses, possibly as a result of your genetic predisposition.

Comparing and contrasting health insurance plans can be difficult – with so many different conditions and exemptions, it can be hard to navigate and compare one deal to the next. If you try and find a plan by going to each provider individually, you run the risk of being swamped in information and making a bad choice.

Using the right comparison tool

This is where a comparison tool comes in useful. In just a few minutes you can put your details in and decide the nature of the cover you’re looking for. With that, you’ll get a number of quotes back almost instantly from a range of insurance providers, allowing you to easily compare and contrast coverage and prices.

The joy of it is that you get to choose the nature of the cover you want from the outset – you decide the things that you want your policy to cover. Then you get quotes back for THAT policy, and you can choose who offers you the best deal. There’s no need to browse every detail of each policy to make sure you’re getting the coverage you need.

Making the right choice

Health insurance is an invaluable investment, and if you want to make sure you spend your money the right way, use a service like Compare Insurance to find yourself the best possible deal.

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Categories
Car Insurance

How to find the cheapest insurance for your new car online

Whether your car is new off the factory production line, or just new to you, it’s one of the most exciting days imaginable when you pick up the keys. It’s important to consider the practicalities, however, so you’re going to have to buy car insurance for your new car. If you want to find the best possible deal, you have to consider looking online.

Buying car insurance online

If you’re looking for the most affordable new car insurance or third party liability insurance, the best place to find it is online. When you search for new car insurance online you have access to the most useful feature possible – a comparison tool. Using the comparison tool you can input the details of your new car and the type of policy you’re looking for, and then let the tool do the hard work by finding you a range of quotes.

In seconds you’ll see a selection of quotes generated by major insurance providers. This will give you the easiest possible way to compare and contrast the right deals for you. You can decide who offers the most value for money and arrange your cover in moments. This means you spend less time on the phone arranging your insurance and more time driving your new car.

Keeping the costs down

Nobody likes paying too much for their car insurance, which is why finding the best deal for you online makes so much sense. There is a range of online-only insurance companies establishing themselves, which are able to operate with lower costs and ultimately pass those savings on to their customers. This means you have more choices, better cover, and you won’t have to pay through the nose for it.

If you know what car you’re going to buy ahead of time, you can arrange your cover before you even collect it, which means your insurance will be valid the minute you collect the keys.

Buying car insurance can be stressful, but if you have a new car and want the most affordable new car insurance possible, you should be using an online comparison tool such as Compare Insurance to find it.

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Categories
Health Insurance

Are you paying too much for your health insurance? There may be a cheaper deal for you

Health cover is an essential consideration if you want to ensure you’re not troubled by mounting medical bills in the event of a run of bad health. After all, when you are busy recovering, the last thing you need is financial worries.

Many people fall into the trap, however, of choosing a health insurance package and then sticking with it even though the price of the premium goes up. There may be a better deal available for you by shopping around.

Using a comparison tool

The best way to find short term health insurance that better suits your budget is to use an online comparison tool. It couldn’t be easier, all you need to do is input the details of the cover you’re looking to arrange and the system will generate a variety of quotes from different insurance companies.

This allows you to contrast and compare health insurance rates at a glance. There’s no need to take notes, no need to input your details with every single insurance company, and no chance of you getting lost in the data.

You can simply browse the different packages available to you, compare them to your current coverage and select a new deal if you find a better one.

How often can you shop around?

The simple answer is – as much as you like! You can keep an eye on the market rates to ensure you’re paying a fair amount for your health insurance. If you find a cheaper deal, you can present it to your insurance company and see if they can match it for you. If they do, you won’t have to switch, but if they don’t you can arrange your cover with the new insurance provider.

Either way, you get the same outcome, namely paying less for your vital health insurance cover.

Use the technology to your advantage

Comparison tools and online quotes exist to serve you, the customer, by making it easier than ever to find more affordable health insurance quotes. Just make sure you use a reliable tool, such as ours at Compare Insurance.

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Categories
Travel Insurance

Where can you buy travel insurance?

Travel insurance is a necessity if you want to have complete peace of mind on your travels – you never know what might happen, and it’s nice to know you have the insurance coverage to rely on if you need it. But where do you find it? We all want cheap travel insurance, but where can you actually get it?

Offline

One answer to the question “where can I buy travel insurance” is at a travel agent, if you have arranged your travels through them they will likely have an option to add insurance to your package. Or if you research some insurance companies, you can contact them directly via the telephone to get yourself a quote and arrange your coverage.

Online

Most insurance companies have an online presence, and you can request a quote online. Or you can use a travel insurance price comparison tool to get a range of quotes and pick and choose which suit you. It’s done very easily, by simply inputting your details and letting the comparison tool retrieve quotes from insurers based on the criteria and coverage you want.

Which is best?

There’s no right or wrong answer as to whether finding travel insurance online or offline is best. The truth is, however, that if you value convenience and saving money that finding it online is likely your best bet.

Online services are generally cheaper because they don’t incur the same admin or personnel costs as offline options do. Much of the process is automated, which is why it’s also so much quicker and efficient. Similarly, you won’t have to manually compare quotes, or just stick with one quote you’re given, you can easily compare and contrast to find the cheapest deal. If you’re willing to shop around you can save a lot of money on your travel insurance plan.

In conclusion

There are a variety of offline and online ways of arranging travel insurance – but if you want to make sure that you’re getting the best deal possible, use an online comparison tool like Compare Insurance to find yourself the cheapest possible deal.

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Categories
Car Insurance

Is your car insurance getting too expensive? Find a better deal in minutes

Car insurance is a necessity that we all have to invest in, but sometimes it can start getting a little too expensive to manage comfortably. It’s easy to think that you’re trapped with your car insurance supplier – but the truth is you can browse deals for motor insurance at any time. A better option may be available to you.

Use a comparison service to compare car insurance deals and save yourself money.

Creeping costs

It’s always the hope that the longer you spend with a certain insurance provider, the lower your insurance costs are going to be – but there’s a problem. Car insurance costs are going up, and the increases in general costs can easily begin to outweigh the discounts you earn through no claims bonuses and customer loyalty discounts.

So what are your options? You have two – either you keep paying and hope your premiums come down, or you find yourself a different deal with a brand new car insurance provider.

It’s easy to find new quotes. All you need is a few details about you, your circumstances, and your vehicle – the difference with a comparison tool is that you don’t need to put those details in again and again for each quote you get. You put your details in once, and the comparison tool will generate quotes for you based on what certain insurance providers offer.

This makes it easy for you to compare and contrast, and find the right deal for. You might be surprised just how much you can save.

You might not even have to switch

You don’t necessarily have to switch to a new provider. Sometimes, letting your current insurance provider know that you have found a cheaper car insurance quote is enough to encourage them to give you a better deal. If they can’t match it, you at least know you have a cheaper option available to you.

Don’t ever feel like you’re stuck paying too much money for your car insurance – with Compare Insurance, you have a comparison tool at your fingertips to find the perfect car insurance deal for you.

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