The key to keeping premiums low without sacrificing quality coverage is to find a plan that is specifically tailored to the client's needs.
(PRWEB) September 19, 2013
Pacific Prime has released a new article, “How to Find the Best Health Insurance While Saving Money”, a quick guide to help clients choose a quality plan while keeping premiums low.
Balancing one's finances with a potentially costly health care plan can be tricky, especially with the amount of options on the market. Pacific Prime has provided a quick checklist of considerations to keep in mind when looking for a quality plan with manageable premiums.
The key to keeping premiums low without sacrificing quality coverage is to find a plan that is specifically tailored to the client's needs. There are dozens of insurers and plans on the market, each with various cover options, and clients often end up paying for cover and benefits that they don't necessarily need. Whether an international health insurance plan is fit for a client is dependent on various factors such as lifestyle, age, location, and duration of cover.
One of the easiest ways to lower premiums is to assess whether or not each benefit is necessary. For example, many clients demand for Dental in their medical plans without a history of regularly visiting a dentist. Maternity is another benefit that should only be added if the client is planning on having a baby in the near future. Otherwise, the benefit adds unnecessary costs to the premium.
Depending on a client's age and whether or not he or she is in good health, different levels of cover are also recommended. Young and healthy individuals who rarely need to see a doctor likely only require inpatient cover. However, those over 40 who may have a pre-existing condition like diabetes, high cholesterol, or high blood pressure should seek out a plan with pre-ex cover and outpatient cover.
Regarding location, Emergency Evacuation cover is only recommended for clients in countries with an underdeveloped hospital network. Lowering the geographical area of cover is also a quick way to reduce premiums, especially by excluding cover in the US.