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The given document is a table comparing different home and contents insurance policies offered by various companies. It provides information such as the name of the insurance policy, ratings for different aspects of the policy, coverage limits, excess amounts, and additional features. The purpose of the table is to provide library patrons with a quick overview of different insurance options available to them. It is important for individuals to carefully review the policy's fine print and consider their specific needs before making a decision. [Extracted from the article]

The article discusses the rising cost of private health insurance in Australia, with an average industry-wide price increase of 3.03%. However, some policyholders are paying significantly more than the average increase, especially for Gold policies. The article offers recommendations for the best value hospital and extras policies for different categories of individuals, such as healthy singles and couples, families, and seniors. It also provides advice on how to avoid overpaying for health insurance and includes tables comparing different policies and their premiums, as well as information on annual limits and waiting periods. This information can be helpful for library patrons researching private health insurance options, including seniors who are looking for the best hospital cover and extras. [Extracted from the article]

The article discusses the benefits and drawbacks of having Basic-level private health insurance in Australia. It explains that having private health insurance can help individuals avoid paying the Medicare Levy Surcharge, an additional tax for those who don't have private hospital cover. However, Basic-level policies provide very little coverage and are not recommended for health cover. The article also provides information on different levels of health cover, claiming the rebate at tax time, and the Lifetime Health Cover loading for individuals over the age of 31. It concludes by listing the cheapest Basic policies in each state and their premiums. [Extracted from the article]

This article from Choice magazine features a Q&A format where readers ask questions on various topics and experts provide answers. The first question is about finding health insurance policies that allow individuals to choose specific services they want coverage for. The expert recommends using a health insurance tool on the Choice website to find suitable policies. The second question is about soundbars for improving TV audio quality, specifically regarding the lip sync feature. The expert explains that lip sync depends on the TV's settings and suggests checking if the TV allows manual adjustment before considering a soundbar with lip sync. The third question is about cost-effective ways to warm a large open space for long periods of time. The expert suggests warming up the body with an electric heated throw or hot water bottle, making space adjustments, and using a reverse-cycle air conditioner as the most efficient option. [Extracted from the article]

Portable contents insurance is a type of insurance that covers valuable items outside of the home, such as electronics, jewelry, musical instruments, and sporting equipment. There are two options for coverage: unspecified or unlisted, where items are treated as part of general contents, and specified or listed, where specific items are covered for a set amount. It is important to read the fine print, as there may be an excess fee for claims. Different insurers have different excess fees, so it is important to choose a policy that aligns with the value of your items. [Extracted from the article]

Health insurance premiums have increased by an average of 3.03% as of April 1st, with some individuals experiencing even higher increases. This is particularly true for those who recently upgraded to a top-cover Gold policy. Over the past three years, the price of Gold policies from major insurance providers has significantly risen. It is recommended to shop around for the best deal, as there are substantial differences in cost between policies offering the same coverage. Loyalty discounts are not offered by insurers, so staying with the same provider may result in higher costs. If your premiums have increased more than the average, you are encouraged to contact healthinsurance@choice.com.au and share your experience. [Extracted from the article]