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Health insurance is offered by many employers as part of incentive and benefits packages, and may also be taken out by individuals looking out for their health and that of their family. Health insurance is not a one-size-fits-all product however, as many different types of insurance are available to suit different circumstances and budgets. For many people, health insurance is something that’s taken care of by their employers, though it can still be worth finding out what exactly this policy covers to make sure you are not underinsured. If your employer offers a flexible benefits package, you may be able to modify the level of cover you receive, if you feel it is not sufficient to meet your needs. Employers and other corporate customers are usually able to take advantage of discounts when signing up for a large number of policies to cover their workers, and these plans are usually linked with one specific health provider that will take care of all the employee’s health requirements as specified in the terms of the policy. This may include dental and ophthalmic treatments if these are offered by the same provider. If you’re taking out your own health insurance, it can be worth spending adequate time comparing different policies available from the major providers to find the one that best suits your needs. If you have dependents such as a spouse and children, you should check whether your health insurance will also cover their treatments, health assessments and prescriptions, or if separate policies need to be taken out. Married couples and long term partners could also obtain discounts when arranging a joint health insurance policy with the same provider. You should never assume that your health insurance plan covers all medical problems that could affect you in the future, especially if you’ve taken out the lowest level of cover available. While these standard policies will usually cover you for medical treatments and check-ups to a specified amount, they may not cover alternative treatments, psychological care and conditions such as pregnancy. There are ways to lower the cost of health insurance premiums without having to settle for a lower level of cover too. Because the amount you pay for your premiums is partly based on your individual risk, taking steps to improve your health by exercising, changing your diet and giving up smoking could all result in lower premiums as your insurer may perceive you to be at lower risk of making a claim. The author of this article is a part of a digital marketing agency that works with brands like Bupa. The views and opinions expressed within this article belong to the writer and any reference or summary of Bupa Health Information Factsheets is that of the writers and does not represent Bupa or the information contained within the Bupa website. The contents of this article are of a general nature only and do not constitute specific advice. This article does not take into account your circumstances or needs and must not be relied upon in place of appropriate professional advice.
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