What factors should an insurance buyer consider when choosing which source to buy through?

A very sensible question indeed, and one I am pleased to answer. Put simply, you need to consider the following factors for each source, when deciding which insurer to go for:

Premium

The amount you will have to pay them for your health insurance policy

Deductible

The amount you must spend on healthcare services in a given year before your health insurance company will start covering them.

Network of hospitals

The places you can attend for medical treatment that have a set agreement with your insurer.

Exclusions

These are a basic list of certain treatments or diseases that are generally not covered under a health insurance plan.

Waiting periods

These indicate the time that must pass before one can lodge claims to an insurer.

Back to the Health Insurance FAQ



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