Here are tips to help you choose the best health plan

Look for the right coverage

Choose a health policy that protects you against a range of medical issues and offers benefits that include hospitalizations both post and prehospital, transport costs for daycare costs transport, as well as diseases that could arise due to your family history or other circumstances. When purchasing health assurance for all members of the household, make sure that each plan suits individual members’ needs accordingly – compare benefits and costs before selecting one that best meets them all! My Private Health Insurance offers cost-effective health coverage solutions to families, individuals and companies of all sizes.

Keep it affordable

While choosing a health plan that meets your requirements is key, making sure it fits within your budget is also paramount. While budget should always be taken into account when purchasing health insurance policies, prioritizing plan benefits before looking at costs is recommended for best results. Initially it would be prudent to purchase an affordable plan which can adequately cover you while remaining cost effective; then as time progresses you will be able to adapt coverage to match changes in family size, income, or needs over time.

Prefer family over individual health plans

Individual health policies may be suitable for individuals without families to support. But if purchasing coverage as a household could save both you and them money in premium costs.

Choose a plan with lifetime renewability

Before purchasing a health plan, ensure you know its length of coverage or if only limited renewal options exist. Because health needs will change as we age, choose plans that offer lifetime renewal options as they will likely come in handy more frequently in later life.

Compare quotes online

With so many health plans online, comparing quotes online will allow you to ensure that you purchase one that fits your requirements perfectly. Request for Quote’ means entering your information onto a website and receiving an estimate for premium. Select top quotes before evaluating them to select your ideal choice.

Network hospital coverage

As soon as you’ve selected a health plan, be sure to verify whether or not your preferred doctor and hospital are included within their network of hospitals. Always opt for an insurance company with an extensive worldwide presence of healthcare facilities when making this choice.

High claim settlement ratio

Settlement ratio refers to the percentage of claims that were settled by your insurer compared with all claims received. Always select an insurance provider with an impressive settlement ratio for optimal coverage.

Private Insurance for Different Applicants

As you may already be aware, there are different types of private insurance policies. Learning more about their evaluation system will enable you to make an informed decision as to if private plans are the ideal fit for you.

Here is how private health insurance looks for different people.


If your income exceeds EUR 66,000 annually and you qualify, private health insurance may be preferable over compulsory government health insurance. Should you remain as a voluntary participant in public health insurance scheme instead, however, the highest premium amount would need to be paid with no different or added benefits available to you.

Before switching providers, a minimum of two months notice must be provided in order to reap the benefits from your employer. They will provide you with a certificate enabling you to continue receiving subsidies and helping manage the cost of private health insurance premiums.


Individuals who are self-employed may find that private health insurance offers greater benefits at a lower overall cost over time than mandatory health plans do, particularly mandatory coverage that is more expensive due to tax penalties and income requirements. Furthermore, private health premiums do not solely depend on income as opposed to mandatory premiums being determined solely based on income levels.


There is much that goes into providing coverage for families, and it requires careful thought and consideration. Private plans can be expensive for large households with multiple children – the monthly costs for comprehensive or even basic insurance can become prohibitively costly – but single families earning two incomes can greatly benefit from private plans with specific student coverage to cut down costs. It is vital that you are informed before making decisions for the family as a whole.

Civil Servants

Civil servants may qualify for both private and mandatory health insurance plans. If they choose to switch from private to public coverage, financial support from their employer may still be available to help make up any difference in cost. Civil servants have complete freedom in selecting coverage to suit their unique needs.

Journalists And Artists

Unique rights protect artists and journalists. By default, they’re usually covered publicly under a compulsory insurance scheme; to switch over to private coverage they need to reach a set income threshold that proves they can enroll in individual policies with private firms.