Safety in numbers.

Group private medical insurers are increasingly concentrating on the small market, rather than the less stable, price-driven large and mega-groups. Derry Andrews shines a light on the group PMI dynamics.

Insurers' latest buzzword is innovation and the latest products are
all eagerly disseminated by industry journalists. In reality, however,
there has been little real innovation in the market place for many
years.


Clients face only two decisions: "Do I take out insurance?" and "Do I pay
for it myself?" or more recently a combination of both.


Intermediaries have considerably more options in what can be a confusing
market for non-specialists. However, while the ideal of 'best advice'
remains true, the