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
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1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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.
9. Consider three important safeguards
Dental guarantees, optical and hospital admissions are to check
carefully. Indeed, they justify the subscription to a health insurance.
10. 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.
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