source :http://www.shulayim.com
Having health insurance can give you peace of mind, knowing that you won’t have a large financial burden should you have any short-term health problems.
These top tips will help you choose the policy that’s right for you, at the best price.
1. It’s never too early to invest in health insurance for you or your family – As a general rule, the younger you are, the lower your health insurance premiums are likely to be. Additionally, when you are young you’re less likely to have developed pre-existing conditions which would be excluded from your policy cover. Even when you’re older, it isn’t too late to sign up for health insurance though, and you’ll still be able to reap the benefits.
2. Don’t skimp on cover - Not having enough health insurance cover could be a false economy, Do some research into how much some procedures cost and ensure you have the necessary insurance.
3. Choice - Look for a policy provider that offers you choice about when, where and by who you’re treated.
4. Check your records - Make sure that your doctor’s records are correct and up to date. Any incorrect information could mean that you end up paying higher premiums or can’t get cover for certain conditions.
5. Assess the excess options - Paying a higher excess fee can be one way to keep your medical insurance premiums low.
6. Shop around - Do your research before you sign up to any insurance policy. Don’t just accept the first quote you’re offered. Experts recommend that anyone shopping for health insurance gets a minimum of three policy quotes before making a decision.
7. Understand the policy - Make sure that you fully understand what is and isn’t covered by your health insurance policy. If you make presumptions without checking the facts, you could get caught out if you become ill.
8. Read the small print - Ask for clarification on anything that isn’t clear and seek independent advice if necessary. Don’t be embarrassed to query anything as it’s important you know what you’re signing up for and that you get the policy that’s right for you.
9. Avoid stress - Conditions such as depression or stress can increase the premium prices and avoiding stress can make you less prone to illness.
10. Be healthy - Leading a healthy lifestyle can help you keep your insurance premiums as low as possible and is clearly just better for you. Cut down on smoking and drinking and watch your weight. Try to take exercise for at least 20 minutes, three times a week.
Source :http://www.buzzle.com
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