How To Get Cheap - Health And Travel Insurance

How not to lose money in life insurance:

* Place insurance against cancer - it is better to put your money towards a global health policy.

* Avoid Mortgage Life Insurance - The cost of this policy may be 3-5 times more than comparable long-term life insurance.

* Malpractice insurance against identity theft - no commitment to repair your credit the money stripped from your bank account.

* Keep your current policy and add it to your insurance coverage rather than replace - replace the new policy, costs and fees.

* Do not buy life insurance for children - because no one depends on the income from them.

* The younger you are - the cheapest policy.

* Buy before any major health problems arise.

* Think of the price break, ask how much prices will rise, if the coverage increases to $ 250000 500000 dollars or $ 1 million.

* Choose the right length of coverage.

* Not always based on labor policies - often based on a composite profile of the employees working, and expire if / when you leave the company.

* Consider payment / billing options - some insurers offer discounts to consumers who pay annual premiums.

* Do not smoke - it is often difficult for smokers to get a good life.

* "The more a person weighs, the more you will pay" - consider this in determining insurance costs.

* Level of cholesterol, blood pressure and Build - a high, these factors may increase the award.

* If you are involved in extreme sports - you can be charged higher rate.

* "Domestic Discount" - get coverage on your spouse with your own.

* Make sure that the insurance premium fixed some may have a fixed premium for the early years, but then the premium may increase.

* Keep in mind that most companies calculate the '"old policy" with age is, in essence, although some continue to use the actual age.

* Know your insurance - sometimes can not pay your claim due to financial weakness.

* Do not change your insurance to consider fee / renewal.

Points to consider an application for health insurance:

* Check the coverage abroad - some insurance companies do not pay for any medical treatment abroad.

* Claim in time - many insurers will not pay benefits if you make a claim, two years after treatment was provided.

* Contact your insurance company prior to treatment - Many doctors charge above the amount you can claim

* Please wait - during these periods, you can not claim any advantage.

How to get cheap insurance travel

* Avoid travel insurance, if the current health insurance covers you abroad.

* If you make more than two trips abroad a year, buy a policy year, because it is cheaper.

* Consider family travel insurance - combining policies for couples or families, are less expensive because the costs are higher "per trip" that "person."

* More than 65 old - many insurance companies offer discounts for this age group.

* If you have a serious illness - it could be a significant increase in insurance rates, so it may be an idea to get an offer without these pre-existing conditions.

* Do not forget that the Single insurance trip is considered the most expensive.

* Think of the corporate network - there is no sense going to the company, if physicians do not accept them.