The New Year brings with it change. We revamp our lifestyles, our diet and our finances. Resolutions can be hard to keep but unlike that sit-up regime that has probably already been abandoned, there is one resolution that, with our help, will be easy to keep – finding health insurance cover that meets your needs and budget.
Complicated landscape
The cost of private healthcare is continuing to rise and there are an increasing number of plans now available in the market. With over 400 plans to choose from, trying to decide what one is best for you can be confusing, time-consuming and frustrating!
Common misconceptions
You may think that because you already have health insurance cover in place that you don’t need to review it. But bear in mind that insurance providers are constantly bringing new plans into the market. Some of these may provide the same level of cover that you already have but at a lower price. Such plans are designed to entice new customers. If you have never reviewed your cover, you may be able to avail of significant savings by doing so.
How you could save money – Ask yourself these questions:
Is private hospital room cover important to you?
You could save hundreds of euro if you change from a private to a semi-private room (which has no more than five beds).
Do you have all of your family members on one plan?
You may be able to save money by putting your children on a separate, cheaper plan that provides similar cover.
Do you pay the full amount for the year in one lump sum?
Paying in instalments may be costing you more money
Are you availing of Corporate Plan Discounts?
These are usually very competitively priced as they are typically designed and marketed to companies that pay for the private medical insurance of their staff, but by law they have to be made available to anyone who asks for them.
It pays to change
The old saying, ‘if it ain’t broke, don’t fix it’ doesn’t apply to getting the best value on your health insurance. If you have never replaced your insurance plan, the likelihood is that you are paying too much. If you have had the same plan for even two years, you may be paying too much. As a general rule of thumb, it is best to check the market at every renewal to avail of the best rates.
Here to help you
The good news is that Cornmarket, the largest health insurance broker in Ireland, is here to help you with our Free Health Insurance Comparison Service. In one brief phone call we establish what is important to you. If your existing cover is fine, no change will be recommended. In many cases, we may even be able to identify better cover for you from your existing provider. In fact, you can rest assured that you will not get a cheaper quote for the same policy if you contact your insurance company directly!
So what do you need to do?
Contact us for your Free Health Insurance Comparison Service, call our team of experts today on (01) 420 0999 and let us find the health insurance cover that’s right for you. If only all New Year’s resolutions were that simple to tick off the list!