Nine insurers, nine differently structured offers, hundreds of pages of conditions. Raw material like that is unfit for a decision – so we translate everything into a single table. Here is how.
Step 1: a common denominator
Offers package the same things under different names. First we decompose every offer into an identical structure: outpatient contents, diagnostics, screening, dental, inpatient, extras – so „Package X" and „Programme Y" become genuinely comparable.
Step 2: the decisive rows
- Premium – per person, per year, by tier.
- Network coverage – mapped to your actual sites.
- Waiting periods and exclusions – especially on inpatient covers.
- Limits – where „the same service" is not actually the same.
- Care-coordination commitments – within how many days, on which channels.
- Administrative terms – premium correction, headcount tolerance, renewal rules.
Step 3: strengths and weaknesses, unvarnished
At the bottom of each column we add what the numbers do not show: where that insurer is strong or weak in our experience – claims practice, service quality, network reality. We deliberately publish no public ranking: your interest is served by a comparison tailored to your company, not a generic list.
Why not just pick the cheapest?
Because a premium gap almost always hides a content gap: a narrower network, longer waiting periods, lower limits. The table exists precisely to make that visible – and when the cheapest is also the best (it happens!), it shows that too. For the vocabulary, see the fine-print dictionary.
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