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A guide to choosing private health care companies

There are several private health care companies that offer different quotes and different levels of cover. It can be hard to find your way around insurance and this is why, this article will provide some tips on what to look for when choosing private health care companies.

Looking at hospital cover

First, think about how much cover you will need. Most insurance starts with basic hospital cover where you can use a private hospital or a private room in a public hospital. If you want to use private hospitals, you will need to check the different schemes on offer. Some insurances will cover operation costs, but only a percentage of the cost of overnight stays. This can become very costly for you if you need to stay in hospital for a week. Check the cover Some people think that private health insurance covers everything and that one's insurance policies and premium are related. The lower the cost, the less you will be covered for. For instance, operation costs may be covered, but outpatients' and consultants' fees are not. You may have to pay extra for day surgery or treatment in a hospital that is not approved by your health care company. Day-to-day expenses Once you have decided on the level of hospital cover that you require, consider whether you also need day-to-day expenses cover. Day-to-day expenses include GP visits, physiotherapy or visits to casualty. The higher insurance covers these extras, but a basic scheme will not.

Waiting periods and extras

Be aware of company waiting periods. When you first take out health insurance, many companies will have an initial waiting period during which you cannot make a claim. The older you are, the longer the initial period is likely to be. One company has a period of 26 weeks for those who are under 55, but it raises to 52 weeks for people between 55 to 64 years old, and 104 weeks for the over 65. The waiting periods also get longer for any pre-existing conditions. Therefore, you really need to check when the company will pay out before taking out cover. Check the extras Double check any extras that you may need like dental care or maternity cover. You may not think that you need them now, but you should check them out for which cover they may give you, should you need them in the future.

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