How to choose a health insurance?

How to choose a health insurance?

The past two weeks have many health insurers announced their premium and policy conditions for the primary insurance. Officially, all plans should be known tomorrow. Until January 1, everyone has the time to say to his current health insurance and choose a new till February 1, beginning on January 1 retrospectively.

What to look for when taking out a health insurance?

Type of policy

Three types of systems offer health insurance: restitution, in kind and budget plans. With a reimbursement system, you can choose which care provider you go. In a kind system, you only get the costs fully refunded you make at a hospital or a health care insurer with which you have a contract.

Lately, you can also go for a budget policy with most insurers. This is a stripped down version of a kind policy. Do you have this policy then you can just go to a small number of hospitals and health care providers if you want to have fully reimbursed? The Senate will soon vote on a legislative amendment allowing insurers even after 2016 non-contracted care no longer have to compensate.

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All health insurers reimburse all health care costs in the basic package. The big difference between the different policies is in it where you can go for your care. It is, therefore, wise for example in the policy wording to see if the insurance of your choice next year has a contract with the provider where you walk for years.

Additionally, you can also take out supplementary insurance for medical expenses not covered by the basic package. Which you all can ensure additional varies by insurer.

cost

The cost of a basic package varies by insurer and by type of policy. Overall it is a good plan cheaper than a reimbursement policy. A budget policy is the cheapest.

To compare the costs you can look at online comparison sites. Not all sites show the results of all insurers, so it is wise to look at different locations.

Height deductibles

In 2015, the minimum deductible 375 euros. That means you have the first 375 euros you make in health care costs, to pay yourself. Not all medical expenses are covered by the deductible. So has to visit the doctor for example not count. What falls under the deductible is in every basic same.

You can also opt for a higher deductible of up to 875 euros. The higher the deductible, the lower the cost of health insurance. Whether it is smart to choose depends on to a high deductible on your situation. If you make a lot of medical expenses, you've already lost the excess soon.

You do not expect often having to go to the doctor; then you might consider raising your deductibles. The financial damage that you incur when you do your full deductible gears is limited, which had spent more than 500 more than you would otherwise. Some of them had you been saved through lower costs for the basic premium.

Note well that you should be able to pay at once 500 euros.