Beware of cheap health insurance for life

Posted on October 1, 2013 by john in Health insurance

For social networking I get queries about what kind of health insurance for life is better , companies with better schools or what is the cheapest answer questions that according to the limited time available. I remember that a product or service does not have to be bad necessarily be cheap and expensive one does not have to be good only for the simple fact cost more than others. To confirm whether something is expensive or really cheap simply compare what you get in return for what you give, basic principle of any good buy . Just as there are things you do not want or given away to other will cost a lot to put a price for all that mean for you.

Today and driven by the uncertainties that arise in public health (of which I am a convinced defender though is improved) in health insurance for life is a flurry of activity to attract new policyholders. As if to approach the end of the world and companies would be presented with their finery to the Olympics. Furthermore, these dates are the most likely to bombard you with all kinds of offers health insurance , as insurers usually establish renewals of such insurance for early January.

Health insurance for life

While prices in the area of ​​general health have remained constant in recent years, despite the costs associated with health services have gone up, it no longer serves to attract new policyholders (not the pockets of Spanish for many frills ) . And companies know this , so I have begun to develop safe ” low cost” health , which in itself does not have to be bad , it is an opportunity for some people to have private health insurance that might not otherwise have. Having a varied which to choose is always beneficial.

And how do they do it? Reversing the trend of recent years when new guarantees and services included to capture customers, were superficial and that some of these had little or nothing as effective in maintaining the health of its policyholders. Now in order to continue to attract new customers no choice but to start removing weight to policies and segment again. As it is not possible to distribute the whole insurance , you sell it for parts. The slogan is ” we do thinking about their needs to hire only what you need ” . Do you believe ?

Imagine this insurance as an onion (sorry , I have very little imagination ) that in order to reach more people you are removing layers and layers depending on you want to pay much . The problem of health insurance “low cost” is to remove the layers juicier and take out other little sparkle to affect your health. This results in higher sub-limits to capital employed , deletions Tables care coverage , reduced reimbursement rates , co payments resurgence , increased deductibles, etc. . Not forgetting that these health insurance assistance from the insurer is authorized and if cut in revenues guess where easily cut costs without trace in their conditioned . Denying health care practices , and as you have no bill can not claim anything , you just get angry and leave. The insurer will only have lost some customers for cancellations of their contracts, on the other hand are part of the portfolio of clients with claims so make a portfolio selection . Windfall.

Conclusion , who wants something hard something so do not look for shortcuts that are not there . Find companies and individuals with reliable paths , confirms that you understand what you are signing and accepting , and if you go be expensive or complicated to someone with more experience can help you make a decision for choosing health insurance for life.

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