Experts keep telling us compare different health insurance policies if you are interested in getting cheap health insurance in Australia. But at the first look all of them seem the same so what exactly do you need to compare, how to filter and sort so that you choose the right health insurance policy. Today we shall try to allay a few of these questions and few other fears you may have that prevent you from comparing health insurances.
Most of us feel that this so-called comparison is just a marketing tactic for data mining. Essentially the company wants to collect your contact details so that they can have their sales team call you and pester you into taking one of their policies. Well this isnt entirely true; most comparison sites wont even ask you for any contact details. But yes they will ask for some important information like your age and type of cover you need amongst a few other questions. This will help them show you the relevant policies available and the premium payable for the same. You can then filter it and sort it anyway you like.
Most of the sites do the filtering and sorting for you. Once you have keyed in the information it will take you to the results page where most or almost all of the policies suitable for you are listed. You can then eliminate or filter them according to your specific needs.
For instance select the level of cover based on your personal requirements, if you are looking for comprehensive then choose comprehensive as your level of cover
Similarly if you are looking for health funds, choose that option and you will get a list of health funds to compare
The monthly budget slider will help you indicate the amount of premium you can afford or are willing to pay
If you are looking to cover specific treatments, tick those you want to cover in the hospital cover and extra cover menu
Each time you adjust the filter options results will get updated automatically till you have selected all options that you think are relevant. With this filter application it is easier to compare policies.
Check for the Canstar rating (your best bet to get cheap health insurance in Australia that provides best value for the money). Check pricing information if it covers treatments you were searching cover for, also remember to check exclusions.