1. What type of care do I need?
Some plans cover only major medical issues, while others include check-ups, therapies, and specialist visits. Think about whether you need regular medical support or just cover for emergencies.
2. Which providers can I use?
Some insurers let you choose from a wide range of specialists and clinics, while others have a limited list to keep costs down. If you have a preferred doctor or hospital, check if they are covered.
3. Are pre-existing conditions covered?
Your medical history affects what will be covered. Some insurers use moratorium underwriting, which means recent conditions may not be covered right away. Others ask for full medical details upfront, so you know exactly what is included.
4. What extra benefits are available?
Many insurers offer perks like mental health support, physiotherapy, and alternative therapies. Some also cover dental and eye care or provide online doctor consultations. Decide if these extras matter to you.
5. How much will I pay?
Look at the cost of your plan, including the monthly price and any excess you must pay before a claim is covered. Some plans offer a cash benefit to help with medical costs.
6. What do other customers say?
Reviews on sites like Trustpilot can show how well an insurer handles claims and customer service. Check what people say about how easy it is to get care.
