Who is the best health insurance provider on the market?
We hear this question a lot. Every medical insurance provider is different. Most importantly, they all have their own policy wordings with different definitions and T&C's. Ask your self this:
What method of underwriting will suit you the most?
Perhaps Full Medical Underwriting, as you never had any health issues? Or maybe you had a knee replacement surgery or any other condition in the past, and Moratorium underwriting will work better in your circumstances?
Would you like to have limited outpatient cover to reduce the cost?
Or do you want to have complete peace of mind and don't worry about the potential shortfalls or extra bills to pay?
Do you want to cover your kids?
Most providers on the market offer "parent accompanying children's" cover when a hospital stay is required. However, the age brackets are different provider to provider. Will you leave your child to stay in the hospital on their own at the age of 13? Or would you prefer to stay with them?
These and some other questions we will go through with you to find the best possible cover.
You can certainly go through all policy wordings from the whole of the market yourself and make an informed decision, however, we recommend speaking with an independent health insurance specialist like us, who will be able to not only find you the best price but most importantly, the best product, depending on your circumstances and a budget.