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What can go wrong with health insurance?
Sure, the technology moves fast, and all possible services and products are available to purchase online. You can just google "health insurance", and hundreds of options are at your fingertips. But is it that easy? Here are few things which you need to think about when buying health insurance.
FAQ
EN
Professional advice

You can easily buy health insurance directly from a private medical insurance provider or via a faceless comparison website. The problem is that in many scenarios, this will be a "non-advisory" sale, which means that if something goes wrong, you will be the only one to blame.
We always recommend speaking with a specialist broker, like us, who will be able to assess your details and find you the most suitable option across the whole of the market and most importantly be liable for the advice they give. Not only that, but the price you get is often the same, if not better than buying the policy directly from a health insurance provider.

Price

Price is important, however, when it comes to health insurance, you need to understand what you are actually getting for your money. Having the cheapest policy might also mean that in practice, it will be unusable.

Cover

Do you need advanced cancer cover or limited? Do you know the difference between the two? What about the outpatient cover? Will £500 or £750 limit be enough to cover your outpatient needs? What is the difference between community and claims rated policies? Therapies, alternative medicine, D&O, treatments abroad and many more.
Choosing an inadequate or inappropriate level of cover can cause a lot of trouble and sometimes unnecessary expense. Having a specialist on your side will make this choice easy and stress-free.

Claims procedure

We wrote a separate topic about this. You can read it here. Strictly speaking, you need to understand what to do in the event of a claim and ensure you don't have unrealistic expectations.

Hospitals

Most providers offer different lists of hospitals, which you can attend in the event of a claim. If you have a specific hospital in mind, it is always worth checking under which category it falls under. Your health insurance broker can help you choose the right option and make sure that all of your circumstances are taken into consideration.




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