My husband is amazed and I’m feeling smug…

If you were given the opportunity to speak to my husband, he would readily confirm that I’m quite hopeless at looking beyond next week, let alone focussing at any great length on what may or may not happen as we both age.  “You are such a now person.” is a descriptor that he readily applies to me and with some justification.

So I was happy to be able to tell him that my next post would be about health insurance. Ha! That stumped him. You see, I’ve always tended to leave issues such as life, health or even car insurance to him, feeling that if I get involved, I might jinx me or my family in some way. Quite stupid really but there you have it.  Here are some top tips when considering your health insurance. More importantly, how you can save money and time when doing so.  Simple and sage advice….

4 Ways To Save On Your Health Insurance

In uncertain economic times it pays to be as financially shrewd as possible when it comes to all aspects of your life. Health insurance is not typically a traditional area for budgetary cuts, but if you can find methods of saving money in this area, you should do everything within your power to do so. These four handy tips will help you on your way to saving money without having to compromise on quality of cover.

1)     Plan for the future – Think about your stage in life. Are you likely to become ill in the near future, are you perhaps to be blessed with a child soon. Are there any pre-existing or hereditary conditions or diseases you need to be mindful of? Obviously no one knows what’s going to happen, but it is better to plan ahead as much as possible. So, if you think you might need to add certain additional clauses to your cover, such as maternity costs, or the price of a full set of dentures, make sure you go for a flexible policy that will not charge you too much or make too much of a fuss about making changes/additions.

2)     Compare – Always compare using a site like Choosi. It really does pay to do so. The market is absolutely saturated with private health insurance companies each of which will be eager to receive your business. Make a short list of, say 5 insurance companies and then make some preliminary phone calls.  And remember, if a company feels you may go elsewhere, you could be offered a discount or some other measure or perk.  So give your existing insurer a work out!

3)     Visit your doctor – Before taking out a plan, you should know exactly how fit and healthy you are.  Try to maintain the level of fitness and wellbeing from your last medical check out and be as truthful as possible when filling in your application forms. If your health alters and you do need to alter your policy, you’ll find it voided if  your insurance provider has any reason to believe your initial application stretched the truth in any way.

4)     Cost Splitting – If you must go for a policy that does not insure for all eventualities but may save money on premiums in the long run, then at least make sure you go with a policy provider who will allow you to split the payments for any treatments that are not currently covered.

So there you have it.  Why not consider taking a look at your insurance cover given we’re at the beginning of a New Year.

Until next time….

This is a sponsored post.  My thanks to the team at Choosi.