The cost of health insurance has risen sharply in recent years. It is therefore not surprising that many people are looking for ways to save on these costs.
Fortunately, there are several ways to save on your health insurance without receiving less care. In this blog we give you a number of useful tips.
Tip 1: Take a critical look at your supplementary insurance policies
Supplementary insurance can be useful if, for example, you regularly visit the physiotherapist or need glasses. Yet you see that many people have unnecessary additional insurance that they never use. It may therefore pay off to take a critical look at the supplementary insurance policies you have taken out and to cancel them if necessary. This way you can save a lot on your premium without receiving less care.
Tip 2: Opt for a higher deductible
The deductible is the amount that you must pay yourself before the health insurer reimburses the costs. In 2023, the mandatory deductible will be 385 euros. By opting for a higher deductible, you can save considerably on your premium. Please note that you have sufficient savings to be able to pay the deductible when necessary.
Tip 3: Compare health insurers
Not all health insurers apply the same premiums and conditions. By comparing health insurers, you can find a good and affordable health insurance policy that suits your personal situation. Pay attention not only to the premium, but also to the coverage and conditions.
Tip 4: Choose a group discount
Many employers offer collective health insurance for their employees. You often get a discount on the premium. You can also get a discount on the premium of a health insurance policy through an association or club. Please note that the discount does not always outweigh the higher premium you pay for the basic insurance.
Tip 5: Save on glasses and lenses
Did you know that you can also save on glasses and lenses with good glasses health insurance? Some health insurers offer a reimbursement for glasses and contact lenses from the supplementary insurance. Please note the conditions and the amount of the reimbursement.
Keep in mind that it is important to keep looking closely at the coverage and conditions of your health insurance. Of course you don’t want to save on your premium, but then you don’t want to be sufficiently insured when you need care. Finally, we would like to emphasize that choosing a good health insurance policy is essential for saving on your health insurance. A good health insurer not only offers an affordable premium, but also extensive coverage and good conditions. This way you can be sure that you are well insured and that you can still save on your premium. Therefore, take the time to compare different health insurers and choose a health insurer that suits your personal situation and wishes.