A lot of these days benefit from getting health insurance through our employers, and these group policies tend to offer good benefits.
If where you work doesn't have such a scheme you will have to look for one yourself.
Some insurers can be unscrupulous and rely on your ignorance about certain facts.
I'm here to put you in the picture about a few things.
As with all insurance policies there are certain things that you should look out for.
That's what I'm here to help you with.
All policies have certain exclusions and also limitations on your cover.
What if you are injured playing a sport? Or something happens while you are traveling? These need checking out.
Things like this can be buried in the small print in between lots of useless information, so take the time to read this properly.
Do you get benefits for your prescription drugs with your policies? Make sure your drug is covered, as many are not, and then find out if you will just get a discount instead of a co pay.
Company policies are nearly always the latter.
Do you have a pre-existing medical condition and, more importantly, is it covered by the policy? This is the biggest mistake people make when buying health insurance as they assume that it will be.
Never assume, make sure of the facts.
An exclusion rider is something that is often in a policy but we either don't see it or don't know what is it.
This precludes you from coverage for an ailment or condition for which you are receiving treatment.
The extra cost should be taken into account, or shop around for a better policy.