Insure Online

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 in the second group there are a few facts about finding your own health insurance that you really should know before going with a company.

This is just a few handy hints to make you aware of some things and help you avoid the pitfalls in choosing a plan to suit you.

1. Always check what limitations or exclusions are in your policy. Are covered while you travel or if you pick up an injury while taking part in sports etc?

These are really important and you need to know where you stand. Always check the policy thoroughly, particularly the small print.

2. 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.

3. A pre-existing medical condition is probably the grayest area when it comes to health insurance. So many people buy policies and then discover too late that their condition isn’t covered.

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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