How do I choose a private health insurance policy?

The best way to choose a private health insurance policy is to conduct a comprehensive analysis. By looking at what various health funds are offering, you can get a clear idea of what is on the market and find a policy that suits your needs.

For a quick and easy comparison, speak to a health insurance adviser over the phone to receive free quotes tailored to your preferences and budget. It may also be helpful to speak with family and friends who have been customers of various health funds in the past.

But before you get started, you should have a clear idea of what kind of policy you are looking for. Factors to consider include:

• Decide if you want Hospital cover, Extras cover or Ambulance cover, or a combination of these cover types

• How much you can afford and are willing to pay each month for your health insurance
• What sort of health care treatments and services you want cover for

• Who you want to cover. Are you interested in a single, family or couples policy

• What level of cover do you think you'll require (e.g. do you just want the basics covered, or are you after a comprehensive gold-tiered health insurance policy?)
• Any health concerns you want a policy to specifically cater to
• What is important to you in a health fund (e.g. is it reputation? Customer service? Percentage of claims paid out?)

From here, you can do the relevant research that allows you to ultimately choose the best private health insurance for you.