The Best Ways to Find The Right Health Insurance
on: May 7, 2009, 8:57 am
likes to spend money when they don't really need to. If we have
to, we look for the best deal to make sure we're not paying over
the odds and the same is true of your health insurance. Here are
some of the best ways to save money on your health insurance:
you throught about whether you actually need health insurance?
In the UK, our taxes pay for the provision of a free health service
- the NHS. So private health insurance is sometimes seen as a
luxury. Indeed, private
healthcare doesn't normally cover GP check-ups or accident
and emergency treatment. It can also exclude the treatment of
long term illnesses which you may have had before you bought the
policy e.g. cancer, diabetes or cosmetic surgery.
if you're looking for a vastly improved service and you don't
fall into one of categories above, health insurance could be a
vital purcase for you. If not, you could be wasting your money.
option is to simply pay for treatment as and when you need it.
This is great if you're cash rich or manage to put away a small
amount each month into a savings account. The main benefit being
if you don't end up needing any private treatment, you've still
got the money you've put aside. However this method requires a
lot of discipline and generally isn't a recommended form of protection.
may be covered by your employer, as many now include some level
of private health insurance as part of their renumeration packages.
It's worth checking this out before you buy health
insurance to ensure you're not paying for cover you already
have. It's always worth checking the details however, as it may
be that you need cover beyond the level offered and you could
top-up that policy with your own funds.
health insurance is the same as any purchase - you won't know
whether you're getting the best deal unless you've got a price
from everyone. You could go to the big names (AXA PPP, BUPA, Standard
Life, etc) but it's much easier to do your health
insurance comparison online where you'll be comparing all
of the big names in one place, as well as the specialist providers.
The service offered by Insurancewide not only finds the best health
insurance or broker, it allows you to talk to a representative
to discuss your options in more detail - there's nothing quite
like the human touch.
you near the conclusion of your health insurance purchase, you
should try to get the best deal possible out of the premium you're
about to agree to. Firstly, haggle as much as you like - the health
insurance brokers all work to various levels of commission so
they may have some room to manoeuvre. Secondly, you can go through
the various treatments you're covered for and remove those which
you don't believe are likely to apply to you.
option is to ask the health insurers about budget policies which
will pay for your treatment only if you need to wait for more
than six weeks (or another defined period) on the NHS. This can
cut premiums by anything up to a third.
don't forget that your circumstances and the health insurance
premiums will change over time. So each year, make sure your carry
out a health insurance comparison to make sure you're getting
the best deal.
Insurancewide, also known as Insurancewide.com Services Limited,
is an online insurance comparison website offering insurance comparison
tools that allow users to search the market and procure the best
insurance policies and quotes.
was launched in August 1999 as the first insurance comparison
website on the internet. The site also powered tools used on popular
Contact Details: Insurancewide.com Services Ltd
90 Long Acre
Telephone Quotes: 0870 112 8245<
Telephone Our Head Office: 0870 112 8239