With unequal offers, choosing a health insurance is not easy. There exist several Health Insurance companies scattering around the world. They are mostly referring to contract price and repayments. Moreover, these two criteria are not sufficient to determine the deals and packages that meet the customer’s needs and requirements. Here are 10 tips to choose a Health Insurance Company
Knowing the real needs
To make the right choice, the customer must first know his needs and expectations. He must choose a company that has a formula that meets his needs. Guarantees also have to be studied carefully and see if they are adapted to his medical habits, his family and income.
Determine the current coverage
Some employers offer mutual complementary to their employees. The analysis of the current coverage assesses the advantages and limitations of insurance company. If it is required, the customer has to choose over-complementary health insurance. If it is optional, it can subscribe to the complementary choice.
Compare Deals
Subscription to health insurance is important and has to be taken carefully. To subscribe to the best of it at the best value, comparing formulas is required. The idea is to choose the mutual that suits best your expectations. We must therefore compare the equivalent formulas.
Get reimbursed by the social security care
Currently, health insurance companies’ support some prescriptions such as vaccines and drugs related to tobacco addiction. It is therefore essential to know the “Care” that is not reimbursed by the mutual.
Negotiate waiting periods
During the waiting period, some services cannot be supported by the mutual. We must therefore negotiate these deadlines, or even remove them if possible.
Consider three important safeguards
Dental guarantees, optical and hospital admissions are to check carefully. Indeed, they justify the subscription to a health insurance.
Amending the contract as required
During the validity of the insurance, the family or each individual needs may change. It is therefore strongly advised to make an assessment of all needs. A good health insurance will guide to formulas that are more appropriate.
Assign the task to a broker
To easily guide the proceedings, the customer can call on a professional to do this service, he is called “broker” or “insurance broker”. The latter will get him in touch with the insurance companies while selecting the best deals that meet his profile.
Focus on health insurers without questionnaires
Health insurance can alleviate expenses related to health and to get refunds. For some insurers, they use health questionnaires to overtax the “subscription request at risk”. Caution is therefore required.
Perform a repayment simulation
Understanding reimbursements obtained at the expense of health is also essential to avoid unpleasant surprises. The best solution is to ask for a full simulation to better understand their concept.
Knowing the real needs
To make the right choice, the customer must first know his needs and expectations. He must choose a company that has a formula that meets his needs. Guarantees also have to be studied carefully and see if they are adapted to his medical habits, his family and income.
Determine the current coverage
Some employers offer mutual complementary to their employees. The analysis of the current coverage assesses the advantages and limitations of insurance company. If it is required, the customer has to choose over-complementary health insurance. If it is optional, it can subscribe to the complementary choice.
Compare Deals
Subscription to health insurance is important and has to be taken carefully. To subscribe to the best of it at the best value, comparing formulas is required. The idea is to choose the mutual that suits best your expectations. We must therefore compare the equivalent formulas.
Get reimbursed by the social security care
Currently, health insurance companies’ support some prescriptions such as vaccines and drugs related to tobacco addiction. It is therefore essential to know the “Care” that is not reimbursed by the mutual.
Negotiate waiting periods
During the waiting period, some services cannot be supported by the mutual. We must therefore negotiate these deadlines, or even remove them if possible.
Consider three important safeguards
Dental guarantees, optical and hospital admissions are to check carefully. Indeed, they justify the subscription to a health insurance.
Amending the contract as required
During the validity of the insurance, the family or each individual needs may change. It is therefore strongly advised to make an assessment of all needs. A good health insurance will guide to formulas that are more appropriate.
Assign the task to a broker
To easily guide the proceedings, the customer can call on a professional to do this service, he is called “broker” or “insurance broker”. The latter will get him in touch with the insurance companies while selecting the best deals that meet his profile.
Focus on health insurers without questionnaires
Health insurance can alleviate expenses related to health and to get refunds. For some insurers, they use health questionnaires to overtax the “subscription request at risk”. Caution is therefore required.
Perform a repayment simulation
Understanding reimbursements obtained at the expense of health is also essential to avoid unpleasant surprises. The best solution is to ask for a full simulation to better understand their concept.
