The process of finding and purchasing private health insurance can be very complicated if you don’t know all of the jargon etc. This blog will inform you of some of the simple do’s and don’ts when it comes to private health insurance. If you really want to get in depth, professional quality knowledge on this subject, it is always worth going to a broker. Their job is to know all of the technicalities and legalities of insurance so you don’t have to. Until then, here are some of the do’s and dont’s of private medical insurance.
- If you work as part of a company, it is always worth checking if private health insurance is part of your employee benefits. If you do, it is not worth getting an individual policy.
- Always compare the whole of the market, make sure you have looked at all available options.
- Declare all medical conditions to the insurer if they ask you to. If you don’t, it could lead to severe complications later on if you go to claim for something you did not declare.
- Don’t just go for the cheapest option available. Low price equals low quality. Private health insurance is one of those markets where you get what you pay for.
- Don’t just go with an insurer you know. There are a vast amount of insurers out there you may not have heard of that are perfect for you.
- Don’t let insurers confuse you. Contact a broker for some free advice if you become confused.
These do’s and don’ts will help you when it comes to finding the right policy for you. However, it is always a good idea to use an insurance broker. They offer free, impartial advice, and their job is to make things as simple and seamless for you as possible.