Thank you for your feedback, we sincerely appreciate you taking the time to contact us and it’s very good to hear that you are happy with the service you have received from us. We understand your concerns regarding increases in premiums, this is a greater issue affecting the medical insurance industry as a whole. The cost of healthcare has increased significantly in many parts of the world, this is partly because of the increased use of private healthcare due to advancement in technologies and wider treatment available. With the medical trend rising each year, many insurers are finding it more and more difficult to keep these costs low but we, at William Russell, do take every care to ensure that our clients are not burdened with higher increases than entirely necessary.