Health Insurance Guide
Last Updated on Wednesday, 10 March 2010 16:57
How do I choose the right cover?
You should check to see if you already have PMI cover. Some employers include PMI as part of their benefits package. Even a club or professional organisation might have arrangements to offer you (and your family members) cover at better rates.
If this is not the case and you want to take out cover yourself, you need to think about what benefits are most important to you. When looking at cover, it is seful to know how much medical treatment costs, so you know how much cover to buy.
There are lots of different sorts of policies, from low cost, offering limited cover, to those that offer wide-ranging cover and benefits. Most policies offer cover for inpatient and day-patient treatment, but not always outpatient treatment and diagnostic tests.
You will need to decide what sort of cover you want. There are a number of things you will have to consider.
- How much do you want to spend?
- Do you want to pay for part of your treatment?
- Do you want your cover to includes seeing a specialist and having diagnostic tests (for example, X-rays and blood tests) as an outpatient?
- Do you want a choice of hospitals, or would you be happy to have any treatment that you might need, in a hospital available from a limited range chosen by your insurance company?
- What am I not covered for?
The answers you give to questions such as these, could have a significant effect on how much you pay.
The more your cover includes, the higher your premiums are likely to be.
Next: What is and is not covered?
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Health Insurance Guide Index
- How do I buy private medical insurance?
- Will I need to give details about my health?
- How do I choose the right cover?
- What is and is not covered?
- Will my premiums increase over time?
- What if I want to change to a new insurer?
- Points to remember
