Health insurance is something that brings a lot of “new” families unstuck. The pressure of having children, or the worry associated with it combined with a parents desire to make sure their children are “protected at all costs” often results in an “all costs included” approach to health insurance.

For those of you unfamiliar with what a private health insurance package provides you with, the following is a general guideline:

• Your choice of hospital and doctor, as well as treatment as a private patient
• Shorter waiting times for operations and elective surgeries
• Covers the cost of some doctors’ fees
• Dental, orthodontics etc
• Physiotherapy and some forms of naturopathy, including remedial massage
• Assistance services

There a lot of people who consider health insurance to be either a no questions asked given or, the other extreme which is that it is too expensive and a rip-off. There is no right or wrong answer-there is just a right and wrong point of view. Paying top dollar for a program that you barely use is a “rip-off”. Not paying for something you desperately need is detrimental to your health.

So how do you get the best health insurance deals?

1. analyze your needs as well as your finances: purchase only what you need and can afford
2. claim all your benefits: you should know down to the dollar what you are entitled to…if you don’t scrap the plan because it’s probably costing you money
3. quotes, quotes quotes! Never make a rash decision because more often than not, it will turn out that your insurance provider will not cover that rash decision. This comes back to knowing your benefits-never go to a hospital, have a procedure that you aren’t 100% sure is covered by your plan (unless it is an emergency or you have no other option).
4. if you’re unhappy with your plan get a new one; you have this opportunity every year. Keep your health insurance provider on their toes.

The above is a simple yet effective guideline. By implementing before following any links or going to an insurance site, it will put you at an advantage when it comes to obtaining a better health insurance deal

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