Monday, January 20, 2014

Crucial Health Insurance Tip for New Parents

If you're a new parent, one thing thing that can be sometimes overlooked in all the joyous hysteria of a new addition to the family is making sure your child is covered. We recommend getting onto it ASAP though, because there are some little known benefits to doing so that can help you hugely in the long run.

1. If you add your child within its first 3 months to a Sovereign health insurance policy (eg. Absolute Health or Majorcare) and you already have one child included on the policy, your premiums will not increase. So you will be getting another child covered under your existing policy without having to pay a cent more.

2. If your health cover is with another insurer, the same advice still applies. If you add your child to your policy within its first three months, any pre-existing conditions your child has will be automatically covered. If you leave it much longer than this, the exemption may not be available.

3. Even in a general sense without the great perks, it's a good idea to get your child covered as quickly as possible anyway. You never know what could crop up unexpectedly and having a newborn, though one of the best experiences of our lives, can be stressful enough without the financial burdens of medical bills.

Making sure your babies are protected earlier comes with considerable benefits you won't get by waiting.

Remember too, that if you have queries about a specific policy you may already have, we can help you out anytime. Good luck and as always, may your children be fit, healthy and happy.

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