Lots of people are either searching for, or are already reaping the advantages of cheap medical insurance. Either for themselves and/or their family, cheap medical cover brings relief and peace of mind in the event of ill-health striking.
If you’re not fortunate enough to have employee health protection, and you also have a limited income, cheap health insurance is necessary if you want a superior alternative to healthcare provided by the NHS.
Whilst there are lots of companies offering cheap health policies, such plans, inherently, are inclined to offer a limited amount of cover in comparison to the more comprehensive plans. Therefore, it will serve you well to shop around since the options and scope of available medical cover can vary enormously between health insurance providers.
WHAT YOU REALLY NEED TO KNOW ABOUT CHEAP HEALTH PLANS
If you have been a smoker, and in particular, a heavy one for a number of years, you probably will not be able to obtain cheap health insurance as smoking is one of the largest factors, amongst others, such as heavy alcohol consumption, which insurers categorize as a high level risk.
AVOID USING NON-DISCLOSURE TO OBTAIN A CHEAPER HEALTH POLICY
Some people try to disguise their smoking in order to acquire cheap health insurance, despite this being a somewhat naive idea. Insurers are not dim-witted and cover will generally be denied pending the investigation of any conditions that may be associated with smoking.
Similarly, it is not prudent policy to withhold any information relating to your health that might materially affect your cover in the future simply for the objective of getting cheap health protection. Cheap healthcare cover can only be validated as such where all conditions have been truthfully and thoroughly declared on the application form.
HOW OCCUPATION AND LIFESTYLE AFFECT CHEAP MEDICAL COVER
Other reasons determine whether inexpensive health insurance is a realistic prospect. Certain types of career and hobbies are potentially more high risk than others and will therefore render a cheap health insurance plan doubtful. Hazardous sports like skydiving, scuba-diving, snow and water sports typically raise health insurance premiums.
Physically risky or treacherous careers also have the same effect. Such lifestyle or occupational hazards do not mean that getting appropriate medical insurance isn’t achievable, only that cover probably won’t be inexpensive. As with not disclosing smoking, drinking and other pre-existing conditions, it is not recommended that dangerous pursuits are not declared in order to acquire low-cost cover.
LIMITING THE OPTIONS TO OBTAIN CHEAPER HEALTH COVER
If you are willing to consider restricted cover by being thoughtful and selective regarding the options, it follows that cheap health insurance is a very real possibility. Simply being flexible rather than being adamant on a plan which facilitates lots of range, will bring the premiums of cover down.
For instance, you might want to exclude health cover for pregnancy and childbirth as you may well think these options non applicable.
By removing all of the options that you consider are unwarranted on a policy, or that you can do without, will result in much cheaper health plans. Leaving out the more specialist and luxurious options of cover, whilst keeping the essential elements can result in a significant drop in health insurance costs.
A good place to start the quest for cheap health plans is online. Use some of the online insurance agents and comparison sites to check and compare the marketplace for the most competitive rates for suitable low-cost health insurance cover. Investing the time and effort to research the available options will pay handsome rewards in the form of cheaper premiums.