When
it comes to health insurance ,
there’s no one-size-fits-all plan that you can rely on. Of the numerous plans
in the market, you will find that each is unique in some way, with its own
benefits and limits. This makes purchasing health insurance a difficult task
where painstaking research is sometimes required, before you find the right
plan for you.
Before
you go plan-hunting, there are some questions you need to ask yourself:
- What is my financial ceiling?
- What do I have to cover? Am I responsible only for myself? Do I have dependents? Am I planning for retirement yet? Am I already retired?
- How often do I need to visit the doctor?
- How much premium can I afford?
- Do I have any pre-existing medical conditions?
- How comprehensive a plan do I want?
- Do I need regular dental and/or vision check-ups?
- Do I use many prescription medicines?
- How much preventive care do I want?
- Am I constantly exposed to hazards such as the possibility of an accident, exposure to toxins, a weak immune system, etc.?
- Am I at risk of any hereditary diseases?
