How to find cheap health insurance
If you are not satisfied with available NHS treatment, it is not just health insurance.
Covering for serious diseases, paying to cover certain serious diseases may be more appropriate depending on your situation.
For more information: What is health insurance? Do I need it?
2. Is I already sick?
It is easier to purchase health insurance if you are healthy. Many insurance companies focus on essential conditions to respond quickly to treatment and eliminate existing medical conditions. There is also a policy to eliminate long-term treatment such as kidney dialysis and diseases such as asthma.
This does not mean that health insurance is not suitable for existing persons, it may be difficult to obtain the necessary cover. Your best bet may be talking with the broker.
3. Talk to the broker and seek help
Health insurance is a complex product, so it is best to talk with a broker if you are particularly sick or need a special outpatient for a specific illness.
To find a broker please refer to the Association of Medical Insurers and Intermediaries (AMII). The comparison site is a good starting point to know how much it can cost.
4. Adjust policies to reduce costs
Once you have selected the policy, you can adjust the cover to reduce the cost.
I will start by considering your hospital's choice. Most providers offer lists to you and you can cut costs by selecting shorter lists.
Next, consider adding extra to your policy. If you are satisfied with paying medical expenses yourself, the premium will be reduced. Please make sure you can afford the extra.
Also, please consider whether you are willing to receive any treatment at NHS. In many policies, you can choose a discount cover that only starts if the NHS can not provide it promptly (usually 6 weeks). So if the speed of treatment goes private for the main reason, this could be a good compromise.
Finally, we decide which part of the cover is really important for you. Many insurance companies can choose and choose from modules. For example, paying or reducing covers of outpatients (mostly doctors and scan consultation) can deprive hundreds of annual premiums.
5. Be aware of the ditch and switching
Health insurance is not like car insurance or family insurance which bring about saving by switching every year. Trying to throw your current provider makes it harder to get a better deal.
The conditions developed during the lifetime of the current policy are considered as existing conditions and are unlikely to be covered by the new provider.
On the other hand, as you are older and considered the health risk of the insurance industry, premiums will rise and it will be more difficult to find cheaper contracts.
If you are considering switching and switching, always check existing policies and potential new policies to make sure that everything you need is there.
6. Keep health as much as possible
Several insurers, Aviva and Vitality Health, offer discounts if you keep health. While Vitality Health provides cash back of up to 100 pounds, Aviva's scheme MyHealthCounts will reward up to 15% at renewal if you are healthy.
7. Read the terms of service carefully
Always check carefully the terms of use as well as any insurance policies. If you do not know about your cover, please call your insurance company or consult an AMII broker.
No comments:
Post a Comment