Russell Hutchinson, proprietor of Chatswood Moneyblog, has a thought-provoking post up at the Good Returns financial "news center." In it, he lists all the elements of an "ideal" health insurance plan, and then turns the filter of reality onto it.
Here's a sample:
Here's a sample:
"[W]e don't yet have the perfect medical product. Consumers rightly see the perfect product as being one that pays for everything and costs nothing. Dialling back just a notch or two from that Nirvana we could sensibly describe what might be a ‘super-premium' medical product ... All of these cover features are available. The only problem is, you can't buy them all from one provider. In fact, I don't think you can even buy them all from less than three providers. If you did buy them all they total two to four times the typical total cost of a more stripped down major-medical product."
Read the whole thing. And definitely stop by Russell's place for a perspective from the Land of the Kiwi.
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