Most insurance plans have a selection of benefits. Make sure your plan meets your current and future needs.

Some essentials to watch out for and compare:

Inpatient cover

Outpatient cover

Dental cover

Maternity and newborn care

Assistance services (evacuations etc.)

When you compare insurance plans of one insurer or you compare the plans between insurers, make sure you are comparing apples with apples. It is very easy to get confused so try to determine which benefits are most important for you and compare those first. If you need help call the insurance company or an independent insurance broker for support.

Insurance products are often clustered in coverage levels. Normally the rule applies that the higher the level the richer the benefits and the higher the limits on individual benefits are. Often the insurance plans have easy to understand names indicating the various levels:

Bronze

Silver

Gold

When you have selected the plan with the essential benefits meeting your needs you can often influence the premium by selecting following options:

Co-pays (out of the pocket expense per invoice)

Deductibles (fixed amount of out of pocket expense)

When checking out make sure that your selected plan meets your needs and do a final validation by considering

1 Does your plan has the right benefits for your personal healthcare needs

2 Does your plan have sufficient coverage levels limiting your potential out of pocket expenses

3 Does your plan cover you in the right location depending on your personal mobility (locally, during travels, internationally)

If you are satisfied with your plan you can check out. Most insurers offer various payment methods you need to opt for:

Frequency: monthly, quarterly, yearly (sometimes there are discounts for yearly payments)

Means: credit card, wire transfer, standing order, direct debit (e.g. SEPA mandate in EU)