Getting Health Insurance Quotes For The First Time
If you have never belonged to a medical aid before and are now in the position to take out health insurance for you and your family, you will soon see that it can be quite a daunting task especially if you have no idea what you are looking for or what to expect.
The golden rule when getting quotes for different medical plans is that you should never just sign up with the first company that sends you a quote. Be sure to take the time to go through all the quotes and really look at what the medical insurance provider is offering you and where you could be saving etc.
It is always a good idea to get at least five quotes so that you can see what the difference is between health insurance providers and what benefits they are able to offer you. You can also ask that they give you different quotes for different health insurance plans, for instance hospital plans, comprehensive plans and also saving plans. If you do not understand everything on the quotes you are given, do not be afraid to ask. That is what medical insurance call centres are there for!
When you phone a health insurance provider for a quote, make sure that you have all the relevant details at hand that they will need from you. They will need to know your financial status and how much you will be able to afford as well as how many members will be on the medical plan. They will also want to know what medical requirements you have such as chronic medicines etc. Be very honest with all of these details as it will not benefit you to lie and then sit with a problem when it comes to claiming from your insurance plan.
Where possible, try to contact health insurers directly. It will cost you more at the end of the day to make use of a middle man such as a broker. Also make sure that you get quotes only from reputable health insurance providers. You should never respond to any telephonic or electronic requests to sign up with any health insurer if you have never heard of them before. In any case, it is always better to speak to people in person when it comes to getting quotes and eventually paying for a health insurance plan.