Five things to consider when choosing health insurance
Think health insurance is expensive and just for older folks? Think again.
Although we’re fortunate to have an excellent public health system in New Zealand, the realities of an increasing population and constant pressure on budgets means if you have a life-changing medical event, you could be in trouble. That’s because in such an event, time is of the essence. And it’s not only a life-threatening situation which can cause stress and strain. Even the everyday stuff, like dental and eyecare, can spike the budget and make life a little harder. Health insurance, like that from Done, helps iron out these challenges. The good news with technologyenabled health insurance is you can get it sorted fast and conveniently. In fact, it can take just a few minutes to get good cover in place. The streamlined, lowadmin processes associated with online health insurance has another major benefit: it’s far easier on the budget. Let’s take a look then, at what to consider when choosing health insurance.
1. Do you need it?
This may seem an odd thing to consider…but it should be top of mind. Got children? Got teeth? Wear corrective glasses? These are among the top things to think of when weighing up health insurance. Then there’s the unknown. Will dreaded disease strike? Health insurance puts these concerns to bed.
2. Cost/value for money.
While it’s easy to focus solely on cost, that’s not the point of health insurance. Instead, it’s the benefits (that is, what you are paying for) which are important. So, by all means look for low cost. But at the same time, examine the advantages you get for the spend. With Done health insurance, from just $8.38 a week, you can look at what you pay annually vs. the actual amount you could claim or need to claim if something went wrong. The total annual cost of Everyday + total value you can claim makes it a no brainer.
3. Convenience.
We live in an online world and we rightly expect convenience and ease of use when dealing with service providers. It’s the same for health insurance. Look for a provider which offers online, easy access to the cover you need. It shouldn’t take more than a few minutes to sort it out – and that’s what you can expect from Done.
4. The right cover.
When the budget is tight, smashed avo is off the menu. But health insurance should be on it, because it takes care of the unexpected. If money is very short, consider hospital cover only, which protects you in the event of unexpected illness.
5. Claims processing.
The ‘acid test’ of the value you’re getting from health insurance comes at claim time. You want an insurer which doesn’t quibble with claims: you’re sick, you need new glasses, or you have a sore tooth. The last of your worries is the speed with which your payout is coming. With a fully-online claims process, Done gets it done within days. These days, getting health insurance can be cheap, convenient, fast and easy. Get a quote today. It’ll take a few minutes to make sure your health, and that of your family, is sorted.