If you have a job that has a company health insurance scheme you’ll probably be happy with it as you will be getting some really good benefits. If your company doesn’t do this, you will probably be shopping around to find your own.
If you are looking for your own health insurance for the first time; there a few things you need to be made aware of. Without knowing these, you’ll be in the dark when it comes to finding and choosing your coverage.
As with all insurance policies there are certain things that you should look out for. That’s what I’m here to help you with.
All policies have certain exclusions and also limitations on your cover. What if you are injured playing a sport? Or something happens while you are travelling? These need checking out.
It is things like this you really know in advance should either of them occur. The small print is often disregarded; make sure you read it properly.
If you are on prescription drugs check for this too. Are there benefits for users and are your drugs covered, as many are not. They will just give a discount instead of a co pay on many drugs, this is the main difference from a company policy when nearly everything is covered with co pay.
Do you have a pre-existing medical condition and, more importantly, is it covered by the policy? This is the biggest mistake people make when buying health insurance as they assume that it will be. Never assume, make sure of the facts.
There is a possibility that your policy will include an exclusion rider; this effectively precludes you if you have a condition for which you are already receiving treatment. You will have to take this into consideration when looking at the overall cost, or find a different plan.
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