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Private Health Insurance Quotes

Many people turn to private health insurance plans for a variety of reasons.  They might not like what their employer has to offer, or they might not have insurance available through an employer.  Health insurance quotes offered privately might have different benefits and premiums, so its important to know what type you need so you can pick the best plan. 

First you should decide on who you want covered, how much coverage you need, and how much you are willing to spend each month.  It might also be a good idea to browse online health insurance quotes in order to see what it available so that you can narrow down your options.

If you are insuring your family, you need to decide on whether you want a policy that covers the entire family or if you want to get individual policies for each family member.  This decision will probably depend on how much each policy costs, as well as whether different family members need different types of coverage. 

You might be interested in family floater health insurance.  With a floater, you pick an amount that is assured to the whole family.  One member, or all members can use it.  The premium you will pay depends on the number of family members you plan on insuring.  You can use this for you and a spouse, for spouse plus kids, or you, your spouse, and your kids.  You typically cannot include people outside your immediate family. 

The advantages of a family floater plan includes lower premiums (when compared to individual policies for everyone), only one policy is needed, it is easier to manage single policies, it is good for low risk and young families, and the sum is assured.  The disadvantages are that if you submit a claim there is less available to other members, there might not be sufficient coverage if you submit multiple claims in a year, and children are only allowed up to a certain age (typically between 18 and 25 years old).

The other option is purchasing policies for each family member separately.  The sum assured in these policies only applies to the single person insured.  The premium depends on the age of the insured, and the amount of coverage needed.  The benefits are that it can be applied to any member of the family, it works for high risk families or older individuals, and age is not an issue.  The disadvantages are that it is more expensive, you must maintain each policy separately, and coverage might be lower if you only submit one claim per year. 

You also have a third option – specialized health insurance quotes.  These are available as riders to your main policy, or separately.  They are used to cover a limited set of situations rather than general health.  Some examples include a critical illness policy (covers specific illnesses), personal accident (covers damages due to accidents), and hospital cash (offers a specific amount of money per day that you are hospitalized, for a certain number of days). 


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