As with any purchase, it’s worth shopping around for the best deal on private health insurance, and you may find it helpful to speak to an insurance broker who’ll be able to provide expert advice. For example, it may be that you don’t need to take out your own policy if you can be added to a family member’s plan.
Whatever level of cover you choose, it’s important to know what your policy covers you for, as this will impact the premium you pay. For example, you might decide to remove some of the optional add-ons from your policy, reduce your level of outpatient cover, opt for a limited list of hospital options, or a higher excess, all of which can reduce your premium.
As always, if you’re unsure about anything or just want to check that you’ve understood your policy properly, speak to your proposed provider or broker before signing up.