The premiums for 2019 are known. Are you considering a switch? These are five points you can pay attention to.
1. Is switching really cheaper for you?
Don't be rushed by messages about price differences and price increases. The fact remains that the price differences are large, so it does not hurt to take a closer look at your insurance and situation. Now is the time to switch. It may take some research, but if it can save you a lot of money on an annual basis, it's worth it. Even if your situation has changed, it can be useful to compare.
2. What are the conditions?
It is difficult to compare different insurers. The conditions are increasingly diverging:can you choose your doctor or hospital yourself or has the insurance company made a selection? Do you have to advance healthcare costs or does the insurance pay them directly to the healthcare institution? Are there other restrictions? You may pay less, but you also have less freedom of choice.
3. What do you think is important?
In order to make a good switch choice, you must determine what is important to you. Do you want to be able to choose the hospital yourself, do you prefer to arrange things online? Do you need physiotherapy, glasses or braces? Look at the different insurance policies for the reimbursements. If you can already estimate that there is a good chance that you will need certain care in 2019, you can try to find an insurer that offers the most favorable reimbursements.
4. Are you increasing your deductible?
The compulsory deductible remains 385 euros. By voluntarily raising your deductible to 885 euros, you can save on monthly costs. Think about it carefully. Even if you are healthy now, medical setbacks are unplanned. Suppose something happens, do you have enough (savings) money to pay the deductible?
5. Do you want online health insurance?
More and more insurers are offering cheaper internet insurance. Everything is then arranged online. A good option if you want to save a little more.
