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Once your health insurance premium increases by at least 3.95% on 1 April, it can be attractive to be downgraded to a lower -priced insurance or to take the lowest -priced there is. Before you do, however, you need to be clear about what you need to be insured for and be clear that lower priced insurances will pay you for less.
SO MANY GUIDELINES ON THE OPEN MARKETS, WHAT DO YOU NEED TO CONSIDER WHEN SELECTING THEM? Think about what you will probably actually use for your Policy. If you take out extra insurance, you have limitations on what you can take out, based on the amount of coverage you have.
When you decide to take out Top Extra insurance, but seldom make a claim, you can be better off with Basis Extra insurance. But if you look around and find different suppliers for each kind of coverage, you are talking about a "mix and match". WHEN THERE ARE PARTS OF YOUR POLICE YOU DON'T NEED, CAN YOU PUT THEM ON ICE?
Here the review of your coverage is really important - many of us have not had our policies checked for years and could incur additional costs for coverage that we do not need. When you don't want kids or have a dependant, the removal of obstetric, IVF and maternity from a single plan will save an estimated $500 per year on a family average.
However, for sure you know what you are doing when you lower your insurance level. There'?s no point savein? 100 bucks to get something off your chest you need coverage for. With insurance, the point is always to decide how much risks you can take. Here the Ombudman has some suggestions for guidelines "Exclusions & Restrictions".