Health insurance is one of the most important insurance type a person should have. It is really important decision since it involves health issues and money saving, possibly. Enough said, these are things you should avoid when you are about to purchase health insurance.

Give Too Much Attention to Premium And Deductible

If you are planning to purchase health insurance, please pay attention to additional coverage and cost. Do not stuck on premium and deductible only. It is understandable if you only look on premium and deductible to arrange your budget, but you also need to consider other cost and possible situations as well. 

Get Over Insured

Something that attached with word "over" is not good or even worst. Over insured is not good for your financial's health. Sure you will get the best and complete coverage, but you don't need pay too much when not needed. If you rarely seeing doctor, purchase health insurance with lower premium. 

Not Reading The Policy's Print Thoroughly

Insurance contract usually printed in multi-page and people usually did not read it thoroughly. You need to read it carefully to avoid coverage miscalculations. 

Overconfident on Good Health Record

Why I have to waste my money for paying health insurance premiums while I have good health, strong immunity, never visiting doctor and so on? Get rid this mindset. It is still important to be covered to avoid unexpected life events. Who would know that maybe someday (I hope not) you are injured in an accident. You can not be sure that you will be absolutely healthy for the rest of your life. If paying premium is a huge burden for you, buy a most basic plan. It's better to prevent than sorry.

Purchase From A Provider Without Comparing

People often purchase health insurance from the very first provider they meet which comply their needs. This is not exactly wrong, but you will get the best coverage with best price if you comparing multiple insurance companies. They offer different coverage and prices from each other. You don't have to visit their office one by one. You can get quotes online from their site without buying their coverage and start comparing from those quotes. Unless you want specific explanations, then you need to visit their office or contact their agent.