Answered by Robert Harvey
This is a very personal question which will vary hugely from one individual to the next. As with any insurance product to ensure you get the ‘best health insurance’ for your situation it is important to understand the options available, the prices of those options and then align them with your expectations and budget.
Making the right choice…
The choices you make when selecting a health insurance plan can be very personal, you may value physiotherapy and alternative medicines cover much more highly than someone else who sees greater value in psychiatric cover. The benefit is that with so many developments and improvements in the products available it is much easier to tailor your policy to your needs.
With so many insurers and products in the market it can be overwhelming to get a good grasp of them all which is why we are here just an email or phone call away should you need us.
How can you get the best health insurance premiums?
The easier question to answer is ‘How to ensure I get the best health insurance premiums?’ Firstly it is important to obtain options from a range of insurers, being independent this is why we have a wide range of insurers on our panel as they all underwrite their products differently.
One insurer may offer the most competitive premiums for a young female who is leads a very active lifestyle while another insurer may be offering the most competitive terms for a retiring smoker.
The other important factor is to truly understand the level of cover provided, with many products now available on the market where you can mix and match cover options you can often strip out areas of cover which you feel offer you little or no value.
This approach ensures you are only paying for cover you require rather than paying a premium for a stock product where only a proportion of the cover provided is of any value to you.
Frequently Asked Private Medical Insurance Questions
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