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It is best to take a step-by-step approach to comparing health insurance policies. By properly comparing health insurance policies in this way, you can take out health insurance that suits your needs. The end of the year is the perfect time to look for a new low-cost health insurance policy, because then the premiums for (2021) next year will be known.
Compare health insurers on content
You can easily download your compare health insurance, via an independent comparator such as Independer. It works like this: you fill in some key data and tick what you want to include in your insurance package. The comparison site then selects the insurer and insurance that best suits your situation. Below we share some points of attention for comparing the premiums of health insurers and health insurances on content.
Make an inventory of your care needs
Are you going to use additional care, such as physiotherapy or alternative medicine, in the coming year? Or do you have to take into account periodic medical examinations that you have to undergo? It is important to map out your complete care needs for next year. This makes comparing easier and ultimately makes health insurance more financially attractive.
Once you have mapped out which care you need, it is important to find out what is reimbursed under the basic insurance. The standard care that the basic insurance covers may already be sufficient for your needs. Care that is reimbursed under basic insurance includes, for example, a visit to the general practitioner, the emergency room, or regular care in the hospital. In some cases necessary sessions such as physiotherapy or some consultations (under specific conditions) for psychological care are also reimbursed.
Taking out your health insurance
Insurers generally announce their premiums for the coming year in November. This is therefore the ideal time to switch to a different provider. You must in any case make your choice before January 1 of the new year.
This is important, because both your old and new health insurer can arrange the cancellation of your policy. You do not have to handle the cancellation yourself. It is also nice that if you switch in time, you sometimes also receive a little extra from the insurer or comparators, such as accident insurance. In short, if you take out a well-thought-out health insurance policy, you will get cover that suits you well with the best possible premium. This way you are well insured and you do not pay too much for the care you need.
Source: Independer
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