Comparison-shop among commercial insurers that offer individual plans.

The company receives payments for its services and products from federal and state medical-assistance programs, as well as from individuals, commercial insurers and health-maintenance organizations.

Cost savings to the self-insured entity are usually realised through the elimination of the carrying-costs that commercial insurers are obliged to pass on to their insurance consumers.

The closer a customer comes to dying, the more cash the insurer pays itself.

In fact, the insurer pays 20% before returns are paid out, so basic-rate taxpayers have nothing more to pay.

The insurer pays out to cover the cost of mortgage payments and other bills after a diagnosis.

The insurers insist that they still have decently plump capital cushions and can withstand much more brutal markets.

Often insurers insist that locks are to be placed on all accessible windows.

Moreover, some insurers insist that those who cancel policies pay back previous claims, citing 'breach of contract'.

Insurers insist they are working on new products to help pay for sky-high care bills.

Insurers insist on strict adherence to health and safety guidelines, which require councils to use expensive specialist equipment to test the safety of light fittings.

However, from next month many large insurers will offer a different system for savers wanting to take out cash flexibly in retirement.

Rescission practices by several large insurers have attracted media attention, class-action lawsuits, and regulatory attention in several states.

Large insurers frequently negotiate most-favored nation clauses with providers, agreeing to raise rates significantly while guaranteeing that providers will charge other insurers higher rates.

Small insurers, like individual consumers, tend to have annual costs that fluctuate far more than larger insurers.

The issue of concentration of power by the insurance industry has also been a focus of debate as in many states very few large insurers dominate the market.

Depending on the nature of the claim, the church's general liability insurer may provide a defense of the board members and pay any settlement or judgment attributable to their conduct.

The employer's case had been conducted on its behalf by its liability insurer.

Last year, $72 billion (54 billion) worth of premiums were written by the island's biggest property and liability insurers and reinsurers.

It took six years and the employer's liability insurers apparently spent more than 4 million in defence costs.

Section 14 was directed to an entirely different relationship, that between compensators and their liability insurers.

I was appointed to my first junior management position in a major insurer in the early 1970s when his thinking was beginning to be taken seriously by more enlightened companies.

Two major insurers have already warned people not to expect any substantial drop in premiums.

Typically, the commercial short-term market has been the domain of the major insurers and the broker community.

Major insurers say they came through last month's blackout with hardly a scratch.

In a radical move, the group also started developing a model where it used its track record in underwriting to forge partnerships with major insurers.

It also has stakes in a handful of other businesses, including a medical insurer.

Flu jabs and travel vaccinations are available at work, while the company's private medical insurer offers points for healthy activities which can earn cash awards.

Most alleged victims have been private patients whose treatment was paid for by their medical insurers or directly.

Private medical insurers acknowledge that some policyholders may experience delays if they need in-patient care but argue that their cover offers significantly more than just access to private hospitals.

The married father of two was also convicted of two charges of fraud relating to falsely billing private medical insurers for work he did not perform.

In some systems, patients can also take private health insurance but choose to receive care at public hospitals, if allowed by the private insurer.

Capping costs in that way means that private insurers will be willing to enter the market to cover the first 35,000.

The suggestion that the private insurers were considering raising the premiums for personnel with families to just under 1,000 provoked anger.

The presumption should be that it will then be shut down unless private insurers are prepared to take on the risk.

Private insurers did not check when doctors were claiming for radically different procedures to their colleagues.

People in flood-risk areas can find it hard to switch insurers, must pay high premiums and have problems selling their homes.

Rarer complaints include being sent to an inappropriate consultant, being prevented from going to a particular hospital or being unable to switch insurers because of a pre-existing condition.

Every day, it seems, we get special offers to switch insurers only to find that a year on we are paying the same, if not more than we were before.

Claims-made coverage also makes it harder for insureds to switch insurers, as well as to wind up and shut down their operations.