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Before you know it, the new year is around the corner and it's time to reconsider your health insurance. If you're planning to switch, this step-by-step plan is all you need to do that quickly and easily. So let's get started quickly!
Open your email or the app of your current health insurer and find the details of your current insurance. This way, you know what you're currently insured for and how much you're paying. This gives you a good starting point to determine what you want to change.
If you're happy with your current coverage, it's smart to see if it can be cheaper. Enter your details on a care comparison site and check prices. Can you find a cheaper option? Therefore, check the quality of the service and whether your healthcare providers are contracted with the new insurer.
If you need specific care next year, such as surgery or district nursing, it is important to check which insurers have contracted your healthcare provider. You should also consider additional insurances for physical therapy or dental care, for example. Choose the insurer that covers your healthcare provider and where the premium and quality are in order.
Do you expect to need little care in 2025? Then consider insurance with less free choice of care or a higher deductible, which can lower your monthly premium. Also, take a critical look at your additional insurances and determine whether you really need them. If you have financial space, pre-pay your premium for an entire year to get a discount.
If you are sure about your choices, go to step 6. Do you still have doubts? Then go to the online environment of your current insurer and cancel your health insurance. This gives you until January 31 to take out a new health insurance.
“Comparing your health insurance annually is a smart move because health insurers adjust their premiums and conditions every year. By comparing, you can save considerably on your premium and make sure you always have the best coverage for your specific health needs. This way, you can prevent unexpected costs and you are assured of the right care at the best price.”
Complete the application form with your new health insurer and indicate that they can cancel your old insurance. Your social security number can be found on your driver's license, passport or sometimes on your old health insurance card.
Congratulations! You have arranged your health insurance on time. We will make sure that your old insurance is canceled. You can now relax and wait for confirmation from your new health insurer. Best wishes for 2025!