As the Covid-19 pandemic has shown us, there are always risks to our health just through being alive. That is why it is so important to give yourself and any dependents you have some protection by taking out an online health insurance policy. Deciding on the right policy is not to be rushed through and there are things you should try to avoid doing.
Ending up with inadequate cover
This is a very common error and usually happens if you focus too heavily on getting the cheapest premium. Ultimately, the point of a health insurance policy is to provide you with the best possible protection, based on factors such as your age, state of health and family status. Choosing the policy with the lowest premium will be a false economy if it turns out not to cover your medical costs when needed.
Not reading the small print
Every insurance policy comes with a range of terms and conditions in small print. You may feel that it is a chore to read through all of these when you just want to sign and get on with your life, but failing to do so can be disastrous. This small print generally contains the exclusions that will tell you the circumstances in which the insurance company will refuse to pay. You want to find these out before you sign up, rather than when it is too late.
Covering up past medical history
People do this because they are worried that previous illnesses will prevent them from getting health insurance. It is a waste of time though, because if you are not truthful when signing your policy this will emerge when you have to make a claim and no insurer will pay out in that situation. Be honest and look for a company and policy that is prepared to offer you insurance based on the facts.
Not shopping around
Even when you have health insurance, you should keep checking online comparison sites to see if there are other providers offering the same coverage at a better price. It is worth the inconvenience of changing insurance companies if it stands to save you money.
Search Compare Insurance today to find the top health insurance in UAE at the right price for you.