{"id":6711,"date":"2020-09-25T15:16:02","date_gmt":"2020-09-25T07:16:02","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=6711"},"modified":"2026-08-27T20:49:04","modified_gmt":"2026-08-27T12:49:04","slug":"how-to-choose-a-health-insurance-plan","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/how-to-choose-a-health-insurance-plan.html","title":{"rendered":"How to choose a health insurance plan"},"content":{"rendered":"<p>If you\u2019re looking to secure health insurance, you\u2019ll soon realize that your options are indeed endless. With the sheer number of insurers and plans out there, how do you wade through all of them, and choose the right option for you? In our experience as a global health insurance broker, we\u2019ve noticed that individuals often factor in the premiums, while losing sight of other key considerations. More often than not, this comes to bite them in the back further down the line.<\/p>\n<p>So, in this <a href=\"https:\/\/www.pacificprime.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pacific Prime<\/a> article, we\u2019ll explain how to properly choose a health insurance plan. This will involve familiarizing yourself with insurance terms, as well as your own health situation and lifestyle. Once you\u2019ve understood this, you can head over to our dedicated <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\">compare health insurance page<\/a>, where you\u2019ll be able to access our quotation tool to review plans from top insurers, as well as choose the right one for your needs and budget.<\/p>\n<p>Here are several practical tips on choosing the perfect health insurance plan.<\/p>\n<div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg\" alt=\"Individual health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h2>Defining key insurance terms<\/h2>\n<p>Before you even consider any health insurance plan, you\u2019ve got to make sure you\u2019re crystal clear on the terms of the plan, which will likely be filled with insurance jargon. This will enable you to assess whether you\u2019re getting a good deal and to avoid potential disappointment later on. Here are some common insurance terms you may come across:<\/p>\n<ul>\n<li>Deductible: This is the amount you have to pay out of pocket before your health insurance plan kicks in and the insurer starts paying. If the premiums are unusually low, chances are it\u2019s got a high deductible.<\/li>\n<\/ul>\n<ul>\n<li>Co-insurance: This is the amount of money you\u2019ll have to pay for the cost of a covered treatment, following the payment of the deductible (if there\u2019s any). The co-insurance is usually charged as a percentage of the costs.<\/li>\n<\/ul>\n<ul>\n<li><a href=\"https:\/\/www.pacificprime.com\/blog\/common-health-insurance-exclusions.html\" target=\"_blank\" rel=\"noopener noreferrer\">Exclusion\/Limitation<\/a>: This is any condition, situation, or treatment that your health insurance plan will not cover, such as pre-existing conditions (conditions you\u2019ve had before securing medical insurance).<\/li>\n<\/ul>\n<ul>\n<li>Rider: This is a coverage option that can expand your basic health insurance plan, but for an additional premium. Typically, riders include maternity, dental, and pre-existing condition coverage.<\/li>\n<\/ul>\n<ul>\n<li>Waiting period or moratorium: This is a period of time in which you may have to wait before specific coverage benefits will apply. <a href=\"https:\/\/www.pacificprime.com\/blog\/maternity-insurance-what-are-waiting-periods.html\">Maternity coverage often comes with a waiting period<\/a>.<\/li>\n<\/ul>\n<ul>\n<li>And more.<\/li>\n<\/ul>\n<h2>Knowing your health situation and lifestyle<\/h2>\n<p>Your health situation and lifestyle will largely determine which health insurance plan works best for you. For example, if you\u2019ve got a pre-existing condition, you\u2019ve got to keep an eye out for this when looking at plans. You should also note that while insurers are often reluctant to provide coverage for this, they\u2019ll generally charge an extra premium or attach a waiting period in exchange for coverage.<\/p>\n<p>What\u2019s more, you\u2019ve also got to consider your lifestyle. Are you planning to have a baby in the near future? If so, you might need to secure <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\" target=\"_blank\" rel=\"noopener noreferrer\">maternity insurance<\/a> as well, though well in advance of getting pregnant, due to waiting periods. Likewise, if you\u2019re planning to get health insurance for the entire family, then you should look into a <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/family\/\" target=\"_blank\" rel=\"noopener noreferrer\">family insurance plan<\/a> as this is an overall cheaper option.<\/p>\n<p>Based on your health situation and lifestyle, you\u2019ll begin to have an idea of the kind of coverage you\u2019ll need. As a minimum, you can expect health insurance plans to include coverage for inpatient treatment, which is any treatment you receive when you\u2019re admitted to the hospital overnight. If you\u2019d like other benefits as well, you can scan the policy for the following benefits:<\/p>\n<ul>\n<li>Dental treatment cover<\/li>\n<\/ul>\n<ul>\n<li>Vaccination benefits<\/li>\n<\/ul>\n<ul>\n<li><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pre-existing conditions coverage<\/a><\/li>\n<\/ul>\n<ul>\n<li>Health check-up benefits<\/li>\n<\/ul>\n<ul>\n<li>Outpatient treatment cover (treatment you receive when you\u2019re not admitted to the hospital overnight, such as general practitioner visits)<\/li>\n<\/ul>\n<ul>\n<li>Pregnancy and childbirth benefits<\/li>\n<\/ul>\n<ul>\n<li>Newborn insurance<\/li>\n<\/ul>\n<h2>Examining medical insurance plans<\/h2>\n<p>Now, you\u2019ll be in a better position to examine and <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\">compare health insurance plans<\/a>. In addition to price and benefits, there are still a couple of other things you need to bear in mind. For example, you\u2019ll want to make sure the claims process is straightforward, so you\u2019re not wasting hours trying to get your money back. The following elaborates on all the things you should be considering when choosing health insurance plans:<\/p>\n<h3>Price<\/h3>\n<p>Of course, you can\u2019t ignore the price. But you should understand why the premiums are low and what you\u2019ll be compromising on. For example, is it cheap because there\u2019s a lot of exclusions? Generally speaking, try to strike a balance between the cost and the benefits.<\/p>\n<h3>Coverage<\/h3>\n<p>Does the plan only cover you in one country? Or is it an <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\" target=\"_blank\" rel=\"noopener noreferrer\">international health insurance<\/a> plan, which allows you to travel and relocate to another country, whilst retaining coverage? If you\u2019re an expat or move around often, this might be a better option for you.<\/p>\n<h3>Billing methods<\/h3>\n<p>Likewise, is the provider network wide? This will give you more options as it\u2019s recommended to go to a hospital that\u2019s part of your insurer\u2019s network of providers. These hospitals tend to have direct billing services, allowing them to bill your insurer directly.<\/p>\n<h3>Insurer reputation and renewability<\/h3>\n<p>Going with a reputable insurer is a smart move as they\u2019ll be able to provide better customer service and have more stable price increases. Similarly, going with a plan and insurer that has a \u201clifetime renewability\u201d is also better as it provides a more long-term insurance solution.<\/p>\n<h2>Want to get started today? Pacific Prime can help.<\/h2>\n<p>While you may be able to find health insurance plans on your own, going through a broker like <a href=\"https:\/\/www.pacificprime.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pacific Prime<\/a> definitely has its merits. As we\u2019ve been in the industry for over two decades now, we\u2019re experts in helping individuals find the right plan. Not only this, but we also provide support services at no additional cost to you. Whether it\u2019s liaising with insurers or managing claims, our expert advisors are on hand to help.<\/p>\n<p>Start the process by heading over to our <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\">compare health insurance page<\/a> and using our handy online quotation tool!<\/p>\n<p>Alternatively, <a href=\"https:\/\/www.pacificprime.com\/contact-us\/\" target=\"_blank\" rel=\"noopener noreferrer\">contact us<\/a> today!<\/p>\n<div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re looking to secure health insurance, you\u2019ll soon realize that your options are indeed endless. With the sheer number of insurers and plans out there, how do you wade through all of them, and choose the right option for you? In our experience as a global health insurance broker, we\u2019ve noticed that individuals often &#8230;<\/p>\n","protected":false},"author":52,"featured_media":6713,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[217],"tags":[1749,1746,1949,2212,1986,1490],"class_list":["post-6711","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-ban_sin","tag-cta_gen","tag-family-health-insurance","tag-maternity-health-insurance","tag-pre-existing-condition-insurance","tag-private-health-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Choose a Health Insurance Plan<\/title>\n<meta name=\"description\" content=\"Looking to secure a health insurance plan? 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