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AMII concerns over star ratings

Association of Medical Insurance Intermediaries

The Association of Medical Insurance Intermediaries (AMII) has expressed its concerns at Defaqto’s new star ratings for private medical insurance.


Andrew Tripp of AMII says. “Our members, all specialist independent healthcare intermediaries with considerable expertise in PMI, are bemused by Defaqto’s ranking of PMI products. For example, we do not understand how a budget plan with little out-patient cover can be given the same 3 stars as other full out-patient products, it does not make sense. PMI is an extremely complex product. Type of cover, fully comprehensive versus policies with exclusions, cover for cancer treatment, levels of excess, pre-existing conditions, hospital choice are just a few of the factors that need consideration. Introducing simple star ratings to PMI products is highly dangerous and not in the best interests of consumers.”


Star ratings do not assess the price of a product. Insurers pay Defaqto for star ratings, and as the company says to insurers on its website. “You can actively use the star ratings to reinforce the features and benefits your products have.”

Private medical insurance news: 10 February 2012