Can standardisation of exclusions in health insurance policies help customers?

Different health insurance products carry different exclusions. Photo: iStock Malti Jaswal, chief operating officer, Health Insurance TPA of India Ltd Need to rationalise scope of exclusions One of the most contentious issues, which is also the reason for the highest number of grievances lodged by health insurance policyholders, pertains to “exclusions” under a health insurance contract. As more comprehensive products are being introduced, the list of exclusions by insurance companies (to avoid litigation and court awards) is also growing. Different products carry different exclusions, and the same exclusion could mean different things,…

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What education policies should the parties put in their election manifestos

Ross Sargent, parent and governor, early years centre, Cambridgeshire All the evidence suggests the more funding the better at the early years stages, and that represents the greatest return on investment. So the first thing has to be a promise not to cut in early years. I would love to see the people who are genuinely experts in education in charge of what goes into our kids’ education – it doesn’t feel that way now – and the focus placed on the importance of teachers so they have the time…

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Insurance policies underwritten by Gable due to be cancelled – replace your car cover ASAP

If you’ve car insurance underwritten by Gable Insurance, you’ll need to arrange alternative cover before your policy is voided at the end of next week, following the company’s slide into liquidation. Liechtenstein-based Gable Insurance underwrites motor insurance, home insurance and liability insurance policies in the UK for firms that have included Sure Thing, Paragon and Towergate. Gable went into liquidation on 16 November – meaning thousands of insurance contracts will be cancelled as of 16 December. If you’ve been impacted by the company’s demise you’ll need to find new insurance…

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