The Kind Tips – Tips for Life, Study, Work and Entertainment – 7 Tips for Buying Individual Health Insurance

7 Tips for Buying Individual Health Insurance

7 Tips for Buying Individual Health Insurance


When you want to buy your individual health insurance, you should be aware clearly about it in detail: its coverage, cost, benefit, limitation and application. If you get yourself familiarized with such information well in advance, you will make the purchase of your individual health insurance to your best possible satisfaction. Here are some tips for you to follow in this respect.


1. Do not buy the cheap individual health insurance.

The cheap individual health insurance may be really cheap in quality. The good and suitable insurance policy is that you pay the minimum in money, but you have maximum in coverage.


2. Go for the one meeting your own needs.

Not all individual health insurance policies are necessarily suitable to you. Try to find the one you think is appropriate in your case in terms of its feature and cost.


3. Make sure that your needs are fully met.

Before buying your individual health insurance, you should think carefully why you want to buy it, what your family members could get as dependents and how its terms and conditions apply in different situation.


4. Be aware the premiums.

In regard to the health status, the cost of individual health insurance policy would be increased respectively. If you are badly ill, you might not be suitable for buying the commercial one, instead, Blue Cross would be a good alternative.


5. Calculate the cost intently.

Generally speaking, the higher the level of coverage, the more money you have to pay. However, some type of insurance includes free medical examination and service. So bear that in mind before you purchase your individual health insurance.


6. Follow the reform and change.

With the introduction of the Affordable Care Act concerning the reform of health insurance industry, some changes have taken place already. Therefore keep yourself informed of any latest development in such reform and change before you buy your individual health insurance.


7. Get discounts when possible.

According to the regulations set by some insurance company, you could get the discounts if you pay annual premiums for its service. So if the type of insurance is suitable for you and you also have the discount, just go for it.






*Image source: