What to consider when choosing private health insurance
In private health insurance the annual limit, outpatient co-payment, hospital and room type for inpatient care, waiting periods and exclusions determine a policy's real value. These items should be evaluated together, not just the premium.
A health declaration is taken at application and the insurer may accept your application, or apply a surcharge or exclusion, based on risk assessment. Pre-existing conditions may be excluded or subject to waiting periods in many policies, so a correct and complete declaration is important.
If you are considering a family policy, comparing insurers that offer discounts for children and spouse can reduce the cost significantly. Let's plan the structure that fits your needs.