Tag: health insurance plan

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Health Insurance

Is your health insurance as good as it can be? Find a better deal online in minutes

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Having health care plans in place is highly important, but what’s also important is making sure that plan is the best one for you. Does it actually cover the kinds of health issues you are likely to face? And do the premiums actually represent good value for money?

If you think there might be a better way for you to find low cost health insurance, there is! Use a comparison tool today and find the best deals available for you.

Browsing available plans

Whether you’re looking for individual health insurance plans or plans that cover the whole family, you can find them easily by using a comparison tool. All you need to do is input the details of the plan you want, and let the tool do the work – it will draw quotes from the best health insurance companies the world over, then present those quotes to you for you to decide which is the best deal.

This offers you the best way to buy health insurance that’s fit for your purposes. Whether you prefer low cost health insurance packages, or you want the most comprehensive coverage possible, you will be able to see at a glance who is willing to provide the coverage you need.

Choosing the best deal long-term

Remember, just because you have used a comparison tool to find the best deal for your health insurance once, it doesn’t mean that you can’t do it again. You should be regularly checking the available deals open to you, to ensure you’re always getting the best prices.

You don’t always have to switch to a new provider, either. Sometimes simply making your current insurance provider know there is a better deal out there for you will be enough for them to offer you a deal. Either they will match the price, or offer other incentives.

It has never been easier to get a range of affordable health insurance quotes, all tailored to the coverage that you want. All you need to do is use a comparison tool such as the one you’ll find on Compare Insurance, and you can have a range of quotes in minutes.

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Health Insurance

Why you should invest in health insurance, even if you’re healthy

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Balancing your finances can always be a tricky prospect, so much so that the idea of adding an extra insurance payment when you think you don’t really need it is something you choose to avoid. This is what many people do with the best health insurance – they presume that because they’re currently healthy, they don’t need it.

The reality, however, is that getting health insurance is one of the smartest investments you can make – no matter what your current physical condition is.

Why should you take out health insurance?

You may be perfectly healthy now, which leads you to wonder why you should bother taking out a health insurance policy. The truth is that we’re all fallible and any one of us can be taken ill or have an accident at any time. You can never tell what’s around the corner, but taking out health insurance helps to give you a little bit more peace of mind that you and your family are protected if something happens.

A period of illness or a bad accident is a stressful enough time as it is, worrying about health bills and other payments is an extra level of stress you don’t need. A small monthly payment to a health insurance plan can help to alleviate that worry, and allow you to focus all of your energy and attention on your recovery.

How do you choose a plan?

So how do you find health insurance that suits you? There are many different plans available from multiple providers, so the thing to do is use a specialist comparison tool to compare and contrast all the features and benefits to find yourself the best deal that you possibly can.

Taking out general accident cover is a wise idea. In terms of specific health issues, it’s wise to consult a doctor and discover if there are any problems you may be prone to, whether it’s through your lifestyle, occupation, or genetics, and take out a plan that covers those problems.

Whichever plan you choose, it’s better to have some form of health insurance than none – even if you’re currently healthy. Compare health insurance rates and policies today and find your perfect plan.

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Health Insurance

Warning signs that you need to reassess your health insurace plan

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Knowing which insurance provider to go with and plan to choose can be tricky in the first place. And once you’ve gone through the tedious process of choosing one it can be tempting to stick with it for longer than you necessarily should. As our needs change, so does the type of insurance plan that we require.

Is it time for you to compare cheap health insurance plans? Here is a list of warning signs to look out for.

Your health has changed

If you have previously been a generally healthy person who rarely sees the doctor but have recently had a new diagnosis, or are experiencing ongoing symptoms and suspect that they will need medical investigation and potentially treatment, you should consider looking at your plan again to check that it still meets your needs. This means you will be covered for all instances.

Your risk has increased

With the current COVID-19 pandemic, everyone is more at risk. This is not just due to the dangers of the virus but because public health services around the world are now under intense strain. It’s currently much harder to be seen at the local clinic for something that previously would have been addressed and treated quickly, such as a common ear infection. Unless your condition is an emergency, it can take weeks to get an online appointment and prescription. Private cover can help to speed things up.

You’re paying a large premium for cover you never use

You are struggling to pay your monthly health insurance premium and have only claimed for coverage a minimal number of times over the last few years. We never suggest getting rid of your health insurance, however, there is no harm in exploring other options and shopping around.

You never seem to be covered when you need to be

If you often find yourself using services that are not covered by your plan, this is a telltale sign that your current health insurance plan isn’t working for you. Your plan should enable you to access a wide range of services in your area, that are near to your home, easily accessible and without additional cost. This is more important now than ever with social distancing restrictions in place and limitations to how far people can travel.

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Health Insurance

Health insurance: which plan is right for you?

Have you been looking at health insurance plans but don’t quite understand what they entail? Don’t panic, instead allow us to go through everything you need to know, which will hopefully help you with making your choice.

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Health insurance plans tend to come in four different categories. Generally speaking, these are Bronze, Silver, Gold and Platinum. Depending on which plan you choose, the rate you pay will change accordingly.

How they work

Each plan has a different amount that you are required to pay. There is normally a fixed monthly amount that you pay for your health insurance – known as the premium – as well as an additional amount to pay when you need to make a claim. Below are some estimates for how the costs will be split when you make a health insurance claim:

Bronze: insurance company pays 60%, you pay 40%
Silver: insurance company pays 70%, you pay 30%
Gold: insurance company pays 80%, you pay 20%
Platinum: insurance company pays 90%, you pay 10%

Which plan is for you?

If you take out a Bronze plan then you will be paying the highest amount of all the plan levels each time you see a doctor, or you are given a prescription. The latter is known as and sometimes referred to as an ‘out-of-pocket cost’. The Bronze plan also means you pay the lowest monthly premium.

At the other end of the scale, the Platinum plan involves you paying the lowest to see your doctor or for your prescriptions, but this comes with the highest monthly premium in return. The Silver and Gold plans fall in between these two extremes.

Summary

In simple terms, the more care you require should dictate which health insurance plan you go for. If you are someone who requires a lot of medical help or large insurance cover, such as a sportsman, a student, or a family with lots of children then the Platinum or Gold plans are for you, whereas if you do not require much medical help or assistance then you should probably consider the Silver or Bronze plans.

To get health insurance quotes, or to compare plans from different providers, why not go to this link to find the best deal for you.

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Health Insurance

A quick guide to health insurance in the UAE

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Although UAE healthcare is free for all citizens, expats working in the Emirates often struggle to meet medical costs, particularly dental charges; so much so that many expats prefer to fly back to their country of origin for any kind of dental treatment. What’s more, UAE citizens and expats alike find it difficult to access the specialist and high tech services available at Dubai Healthcare City without medical insurances. Although all employers are legally obliged to provide health insurances, the cover provided may not be adequate and does not cover family members and dependents.

If you’re considering taking out private medical insurance in the UAE, there are lots of different things to consider. First off, you’ll need to decide whether to take out a fully underwritten health insurance plan or opt for a moratorium plan.

What’s the difference between moratorium health cover and fully underwritten health insurance?

The main difference between the two policies is that fully underwritten health insurance requires you to provide your insurer with your entire medical history – this choice can work out cheaper over the long term and may offer far more medical insurance than a moratorium policy. Here in the UAE, a fully comprehensive insurance of this nature can be the best way for speedy access to more specialist, private healthcare.

With a moratorium policy, you simply need to complete a questionnaire, giving a limited amount of detail to your chosen insurer. This can be a much simpler way to insure your health, but it may not offer the extensive coverage you’d acquire with fully underwritten insurance. The choice between the two comes down to your budget and own health history.

Specialist health insurance

You can also opt for specialist medical insurance, which simply covers against certain treatments or in specific criteria. Examples include medical insurance for over 50s and medical insurance for specific conditions. This type of insurance can help you to compile the medical coverage you need, while also relying on any free services in your locality for any other medical conditions. One major benefit of specialist medical insurance is that it can help you skip the queues for a range of treatments and diagnostic tests, such as CT scans, knee or hip replacement surgery, and cataract surgery.

What does private health insurance cover?

You’ve probably already recognised that different private health insurance policies offer varying service models. You can rely on most policies to cover you for inpatient care at any time you need to overnight in a hospital setting. Although outpatient treatments also tend to be covered by most policies, the amounts that can be claimed back are very different as caps are often in place.

In addition, some insurance policies cover the costs of drugs that are not readily available locally, and may also provide some cover for psychiatric care. If you already have a pre-existing medical condition, your insurance premiums will be impacted, although it is still possible to source the policy you need.

Check out Compare Insurance now to discover the wide range of policies available in the UAE and worldwide.

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