Why do you need to know health insurance? – Health Insurance Knowledge quiz
A quick quiz to help you get the most out of your health insurance.
What you’ll need:Knowledge quiz:What are the main reasons you need health insurance (or need health coverage)?
How do you know what to expect in your health plan?
How do I find out if my health insurance is covered?
What are some other reasons you might want to get health insurance, and how do I know if I’m covered?
Answer:There are many different types of health insurance plans available to you, so the best way to decide what you want to know about is to look at what’s covered and what’s not.
There are several types of plans, including individual, group and co-payment.
If you don’t know which one you want, try and find out what’s included in your individual or group health insurance plan.
There are two types of co-payments available: the individual and the group.
The individual health insurance premiums are the same, regardless of whether you’re in a group or individual health plan.
If you’re a single person, or if you have children under the age of 18, you will not be eligible for a family health insurance benefit.
However, if you are in a family or single person health insurance arrangement, you may be able to get a co-pays for up to two children under 18.
The group health coverage, or a single or small group policy, is available to both individuals and families, with a maximum age limit of 60.
For those with a low income, you are only entitled to a single family health cover, which includes up to five children under age 18.
What to look out for:Some of the most common reasons people are worried about whether they’re covered are:It can be confusing to find out how much your insurance is worth, and whether you can afford it.
You can find out by contacting your insurer, or contacting your local Citizens Advice Bureau.
You should be able get an estimate of your insurance premiums, deductibles and co for your particular health insurance company.
The health insurance coverage is only valid for you, your spouse or partner and children.
If your partner or spouse is eligible, they are also entitled to health coverage.
If they don’t have health insurance but you do, your partner may be required to sign up.
If your partner doesn’t have coverage, your children will be covered by their parents.
If both parents have health coverage or one parent has coverage, both children and their parents will be entitled to that coverage.
However, it’s important to understand that your health insurer may change or withdraw your coverage at any time, so be sure to check their website regularly for any changes.
Find out more about the types of insurance you may need from the Department for Work and Pensions website.
What happens if I need to cancel my health coverage?
You can cancel your coverage in two ways:If you don�t have health cover at the time, you can cancel at any point, either on your own or through a family member.
If the insurance company says you are covered, your employer will send you a letter saying that you are eligible for health coverage and that you can apply for it online.
You will then be asked to pay a deposit of £50 for your health coverage (called a ‘charge’).
If you do this, you need not pay it again until you are completely covered.
Your employer will then notify your insurer of any change in coverage, including the change to your health cover.
This means that your employer won�t be able, for example, to cancel your policy if you lose your job.
However you may not be able – for example – to cancel coverage if you die.
You can find the details of your insurer by going to www.gov.uk/healthcare/contact-your-insurer or call the Citizens Advice Service on 0800 030 652.
If that doesn’t work, you should contact your insurer directly.
If a change in your insurer’s policy is not permanent, you could still be eligible to get the benefit.
If this is the case, you must check your policy before you decide whether to cancel.
If there is a change to a policy, or you decide to get another one, you’ll be asked whether you would like to get an additional policy, if one is available.
If so, you might be able find out more information by contacting the Citizens Information Service on 0870 783 741.
If I need help with my health cover or have any questions, the Citizens Help Line is open 24 hours a day, seven days a week on 0808 855 989.
You could also ask the Citizens Service for advice.