Health insurance is an increasingly sought after security as news headlines continue to warn of superbugs and cleanliness in NHS hospitals. In fact, private health insurance schemes are booming as MRSA fears prompt more people to go private. And although many employees are offered health insurance from company schemes, families are increasingly turning to health insurance too. But as the credit crunch continues to bite, finding ways to reduce health insurance premiums has never been so crucial for hard hit households.

Health Insurance: Don't cut Corners

The one area in our lives we should never cut corners on is our health. Health insurance ensures you are treated when you need to be and when you need it, with quality care with your privacy respected. Private health insurance also helps patients to access drugs and treatments that aren't available in all NHS hospitals. Health insurance is one way of investing in ourselves, and taking out health insurance could be a prompt to focus on healthier ways of living our lives. Even for those on a budget, it's possible to bring down private health insurance costs.

Health Insurance: How to Save

If you want to save on health insurance there are various ways you can cut your costs. Opting for a six-week plan for example can take around 20% off health insurance monthly premiums. This means you receive private treatment costs, but only if the wait on the NHS is more than six weeks.

Reduce your Health Insurance Costs

You can reduce your health insurance costs by restricting the range of illnesses you want covering, or excluding outpatient treatment. Most health insurance companies will offer you a saver plan or even essential plans that cover the commonest conditions such as cancer and strokes. This may be suitable for younger people who are fit and healthy and don't feel they need (or can afford) full health insurance cover, although older buyers will be less willing to cut benefits in order to cut costs.

Save on Health Insurance: Get Fit

Of course the best way to cut health insurance is to stay healthy. By opting for health insurance that includes a no-claims discount, you can achieve up to 60% off standard premiums by staying fit and healthy. Some health insurance companies are even giving reductions for vegetarians, and rewarding clients who go to the gym, have regular health checks, stop smoking or lose weight. Taking regular fitness assessments can reduce health insurance premiums drastically

Looking for Health Insurance? Speak to The Insurance Service

The Insurance Services's ethos is that it strives to provide fair health insurance policies in an industry dominated by a small number of major providers and decided to give more choice to those seeking health insurance policies. To find out more about the health insurance and income protection policies available from The Insurance Service, just call 0845 053 3404 or fill in the online enquiry form.

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