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Rising Health Insurance Premiums: A Q&A
Health insurance premiums are rising. This Q&A explains the reasons, impact, and strategies to manage costs, including choosing the right plan and avoiding common mistakes.
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- Does the premium increase mean improved coverage?
- A premium increase doesn't automatically mean improved coverage. It usually reflects rising healthcare costs. Basic plans generally maintain the same coverage, while supplementary plans might see adjustments.
- What can I do to reduce my monthly health insurance payment?
- To reduce costs, consider a higher deductible, review supplementary insurance needs, pay annually (for potential discounts), and compare cheaper plans using comparison websites or advisors.
- What is the actual increase in health insurance premiums this year?
- Health insurance premiums are rising due to increasing healthcare costs, inflation, and post-pandemic adjustments. While the government predicted a €10 increase, the actual amount varies by provider, with some raising premiums by €9.50 per month.
- What is the biggest mistake people make regarding health insurance?
- The biggest mistake is not reviewing your policies annually. Needs change, and failing to review could lead to overpaying or missing benefits. Also, avoid assuming the cheapest plan is best; consider your specific needs.
- What should I look out for when changing health insurance companies?
- When changing insurers, check coverage for essential care, especially if you need specific treatments. Verify if your preferred doctor or hospital is in the insurer's network, and compare terms and conditions of supplemental plans.