William M Mercer, the world's largest employee benefits consultancy, believes the private hospital lists system may face a legal challenge following a rash of court cases in the US.

It said the list system, which is meant to deliver cheaper premiums by controlling costs, has provoked litigation in the US because plans have failed to provide the right quality of medical care.

The consultancy believes UK PMI providers are more exposed to law suits because of the growth of pre-authorisation practices, where insurers can insist patients use cheaper treatments.


The 2025 Insurance Times Awards took place on the evening of Wednesday 3rd December in the iconic Great Room of London’s Grosvenor House.

Hosted by comedian and actor Tom Allen, 34 Gold, 23 Silver and 22 Bronze awards were handed out across an amazing 34 categories recognising brilliance and innovation right across the breadth of UK general insurance.
Many congratulations to all the worthy winners and as always, huge thanks to our sponsors for their support and our judges for their expertise.

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