Personal Medical Insurance

By: Paul Abbey

When it comes to personal medical insurance there are a number of different plans a person can consider. But where one plan may be suitable for one person it may not actually be suitable for another. The main benefits to be gained from personal medical insurance over that of group medical insurance is that you can choose the level of coverage you have. Through a personal one a person can select a plan that meets their own particular health requirements and which also suits their budget as well.

Today you have a choice when it comes to taking out any kind of personal medical insurance but the main ones are as follows:-

1. The comprehensive plan/policy which allows not only coverage for you but your entire family over a long period of time.

2. There are much shorter term plans/policies available which a person can pay into when they are say between jobs.

3. Or there are supplemental plans/policies which will cover any gaps that a person may find in the medical policy that they have currently or that provided by their employer.

However it is important to note that such medical insurance plans can turn out to be some what more expensive than a group plan as you are not having to share the costs with others. Below we provide some tips which should hopefully help you to get the best rate possible when you are looking to take out personal medical insurance cover.

Tip 1 – Enquire of the insurance provider who arranges your car and home insurance if they also do medical as well. If they do you may well find that they offer you a discount on your coverage as you are already a customer of theirs.

Tip 2 - Unfortunately if you are smoker or are overweight then getting medical insurance cover can prove to be quite expensive. If you can why not try and stop smoking or lose weight not only will this help to reduce how much you pay for your insurance cover but it will also make you feel better and improve your health overall.

Tip 3 – Many personal medical insurance plans require you to pay towards certain parts of your medical bills. If you can afford to then set the deductibles within the policy as high as you possibly can. The more you pay towards certain parts of the medical treatments or tests you need in the future the much lower the rate of your insurance cover will be.

If you keep the above mentioned tips in mind as well as spend a little time comparing the various different types of personal medical insurance cover now available, you are likely to find one that not only meets your particular requirements but will suit your budget as well.

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