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Health Insurance

Health insurance (private medical insurance) is taken out by companies and individuals in order to protect the insured against health care costs. The insured will have to pay monthly or annual premiums by mainly direct debit and these premiums are subject to annual increases depending upon the age of the person insured and any medical cost rises.

Mostly all medical conditions cab be covered under a private medical insurance policy that may be provided by a government hospital.

Having a private health insurance can cover the dependants, reduces the time for medical attention and provides greater choice of medical service.

The following types of insurance will protect your health care needs:
•    Critical illness insurance.
•    Overseas medical insurance.
•    Private medical insurance.

You will need to take the following into consideration:
•    Certain or all pre-existing medical conditions will not be covered for specific historical time period.
•    The insurer will nee to know your existing medical history and from this information you will be given a list of inclusion and exclusions.

Your financial advisor should be able to recommend a suitable policy mainly depending upon your age and current or past health factors.
The insurance company will require your personal details or a medical report from your doctor before the application can be processed. Once your application has been approved ensure a that all details are correct and that you have understood all the terms and conditions. File away in a safe place these documents for further reference in the future.

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