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.