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Getting advice
There are independent advisers around in this area
- when choosing one, check they have professional liability
cover and are genuine independent advisers and not Tied
Agents or simply direct sales people on commission from
one insurer.
There are many sound professional advisers who will
offer best advice. Find one who knows about the track
record of insurance companies for claims, service and
premium increases over time.
If you take or seek advice from a broker or healthcare
insurance advisor, ask if they have professional liability
cover and are genuine independent advisors and not tied
agents or simply direct sales people on commission from
one insurer. There are many sound professional advisors
who will offer best advice. These brokers usually have
agencies with several insurance product providers and
can offer you a wide range of different benefits and
premium structures.
Generally it is better to ignore brand name and product
title and to concentrate on companies' track record
for claims, service and premium increases over time.
It is always in your interest to read the documentation
carefully as there can be little worse than becoming
ill, then finding that the cover you thought you had,
is invalid.
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