Many people compare health insurance only by monthly premium. That is understandable, but often too narrow.
What this is really about
Deductible, model and accident cover need to fit your everyday life. Otherwise the saving may look good on paper and feel awkward in practice.
Family doctor, Telmed or HMO models can help reduce premiums if the rules match your habits.
Fianza helps put the numbers into context and check whether a change really makes sense.
What to pay attention to
- In basic health insurance, benefits are defined by law. Differences therefore mainly concern premium, model, deductible, accident cover and practical access.
- Think about how you actually use medical services. Telmed fits people who are comfortable calling first; family doctor or HMO models fit other habits.
- Calculate deductible and expected health costs together. The lowest monthly premium is not automatically the lowest yearly cost.
Common pitfalls
- Many people switch only because of the premium and later notice that the model does not fit daily life.
- Accident cover is often forgotten. If your employer already covers accidents, it can often be excluded; part-time work and self-employment need a closer look.
- Supplementary insurance should not be changed casually. Health questions, acceptance rules and waiting periods may apply.
How Fianza supports you
- Fianza shows premium differences neutrally and explains the factors behind the price.
- If you enter your current solution, it becomes clear whether switching creates a relevant difference or whether the existing setup remains plausible.
- Advice connects numbers with daily life: model rules, deductible, accident cover, family and personal habits are reviewed together.
