If you have a job that has a company health insurance scheme you’ll probably be happy with it as you will be getting some really good benefits. If your company doesn’t do this, you will probably be shopping around to find your own.

If you are in the second group there are a few facts about finding your own health insurance that you really should know before going with a company. All of these can be the difference between a policy that you love and one that leaves you in the dust, shelling out more money in medical expenses than you deserve to.

This is just a few handy hints to make you aware of some things and help you avoid the pitfalls in choosing a plan to suit you. Hopefully you’ll take heed to them when it comes to finding your policy.

Always check what limitations or exclusions are in your policy. Are covered while you travel or if you pick up an injury while taking part in sports etc?

These are really important and you need to know where you stand. Always check the policy thoroughly, particularly the small print.

You need to know if the prescription drugs you are taking will result in a discount or a co pay. There a lot of drugs which won’t be covered, so check if yours is one of them. A company policy will cover almost everything on co pay, individual policies will not.

Do you have a pre-existing medical condition and, more importantly, is it covered by the policy? This is the biggest mistake people make when buying health insurance as they assume that it will be. Never assume, make sure of the facts.

There is a possibility that your policy will include an exclusion rider; this effectively precludes you if you have a condition for which you are already receiving treatment. You will have to take this into consideration when looking at the overall cost, or find a different plan.

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