I think also it's borderline impossible do the HIA comparison on a phone and quite a few people don't have laptop/desktop anymore. I wouldn't even attempt it without the bigger screen!
I was only talking to someone few days ago who has never moved from their original work VHI plan, was Plan B but don't know what it's called now, basically is afraid to, told me how good the cover is etc yet further on in the conversation it turned out they had no cover back at all on doc/consultants visits even though they are doing a good few at this stage for an ongoing condition yet paying a fine old premium! Quite a young person too from a technology point of view, no talking to them though!