Health insurance premiums to rise by 5pc

The federal government says it is between two to seven private insurers to stop forcing unreasonable increases for their customers.

Health Minister Tanya Plibersek says 24 of 34 insurers in the country was asked to share their applications again and evidence to justify the proposed increase.

"I received very detailed actuarial advice on the progress they made and I decided on the basis of actuarial advice that the increases are not justified," she said.

Ms Plibersek says it is the lowest annual increase in four years and is a half percentage point lower than the increase last year.

"The increases are in fact lower than the increase in the cost of providing health services from doctors and hospitals," she said.

She says that individual insurers to inform their customers about the new rates in the coming weeks.

The federal opposition health spokesman Peter Dutton says that people will downgrade their health insurance as a result of today's announcement.

Mr Dutton says the increase comes on the heels of the push by the government to the number of people eligible for private health insurance rebate to be cut, and some people are hit twice.

"There are increases in the cost of providing medical services, everyone accepts that, but the poison is that it comes on the back of the government whacking families to increase their private health insurance premiums because they cut the 30 percent discount, "he said.

But Ms Plibersek says she does not think the increase will be an exodus from the industry to provoke.

"It increases last year and the year before and the year before were in fact higher and the people kept their private health insurance, and indeed we have seen tens of thousands of private health insurance with you, even in the last quarter of last year," she said .


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Choosing a Service Contract for Bad Credit Auto Loans

Here at Auto Credit Express we feel that buying a car service contract can be a smart move - especially in financing a used car with bad credit car loan.

That's because the last ten years we have helped credit-challenged applicants find a dealer who deals with bad credit auto sales. A website we designed also covers credit scores and the repossession and the current topic, auto service contracts, also known as extended car warranties

Car choices

Most people with bad credit choose a 2 or 3 year old used cars instead of new. This choice is logical for several reasons:

• New cars lose between 20% and 40% of their original value in the first two to three years, that's what makes a two to three year old car more affordable.
• Vehicle quality is at a historic high, making used cars more reliable than ever.

But even with this greater reliability, you should consider purchasing a vehicle service contract. This is especially important if you plan on financing it with horrible credit car loans.

Extended car warranty

An extended auto warranty is like insurance. If you have one, you bet there will be something mechanically wrong with your car. The warranty company, on the other hand, is betting that it will. Which side do you prefer?

Although cars are more reliable, they are also complex. Black box engine management and safety systems to make your car more fuel efficient and much safer, but if something goes wrong these electronic components can be very expensive to replace.

There is another thing to consider. Most people find it much easier to budget an extra $ 25 to $ 35 per month instead of $ 300 or more to pay - without notice - to part replace the car running again.

The fact of the matter is, if their car can not be immediately restored, most people with bad credit forced to finance both a second car with a bag the note dealer or by public transport.

Too often this can lead to repossession, because nobody wants payments on a vehicle that can not be driven.

As we see

The tighter your budget, the more important it is to be able to avoid unexpected costs. If you're in this situation, you should seriously consider an extended warranty - especially if you finance a used car with bad credit car loan.

Also note that Auto Credit Express specializes in placing candidates with a bad credit car dealers that can offer them the best opportunities for approved loans for cars.

So if you're ready to take that first step towards a better car to take credit, you can now start filling out our online car loan application.

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