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Even if you feel fit, young, and healthy, you should consider choosing health insurance for either yourself or you with your partner as a couple. Though we might be stranded without our car for a couple of weeks as it gets repaired thanks to insurance, there鈥檚 nothing more precious than our health. Getting the best level of care should be on the top of any list of life鈥檚 priorities. But how do you choose the right level of cover? Are two individuals getting insurance separately better than signing up as a couple? How do you avoid the Lifetime Cover Loading? What about pregnancy? We鈥檒l answer all this and more.

Single Health Insurance: Benefits and Considerations

If you鈥檙e single, you may want to take out health insurance to avoid the Lifetime Health Cover Loading, the Medicare Surcharge Levy, and take advantage of the Federal Government private health cover rebate. The LHC kicks in after you turn 31 鈥� and health funds recognise this by offering discounts for those under the age of 30 and keep getting the discount until the age of 41. If you take out extras insurance, it means you won鈥檛 be paying fully out of pocket for major dental, physiotherapy, mental health treatment, complementary medicines, and . Of course, you will have access to private hospitals and private surgery.

Couples Health Insurance: Advantages and Factors to Consider

Together with a long-term partner, you can purchase couples鈥� health insurance. Unfortunately, there are no real savings when it comes to taking out a couples鈥� insurance policy, but it usually is more convenient. You can share extras limits, keep records more easily, and add pregnancy cover when you decide to plan a family. Unlike a singles policy, you are unable to share the extras benefits, provided you tack them on to your hospital cover. That said, you may have different health needs and two singles policies might make more sense.

to find out the difference between singles鈥� and couples鈥� health insurance.

Making an Informed Decision: Factors You Need To Think About

The first factor is cost: how much are you without breaking the bank? If you are young and have no apparent health problems, a basic level of cover may be adequate. You may want to add extras such as dental, since we all get check ups at least once per year. Perhaps you wear glasses and want to add optical so you get 鈥渇ree鈥� pairs of glasses every couple of years. The cost has to match the benefits.

You also have to consider waiting periods too. If you鈥檙e getting insurance for surgery, you will have to wait for six to ten weeks before you can use your insurance. You can also set a higher excess for lower premium payments; but again, it鈥檚 up to you if you can afford a big lump sum bill if you need to claim.

What鈥檚 Next: Getting Health Insurance

When it comes to health insurance, everyone is different and has varying plans. It鈥檚 up to you to choose a policy that covers what you absolutely need, or you鈥檒l be paying too much for no value in return. You need to consult providers and look at comparison sites to see which provider offers the best blend of value and extras (if you want them) for the price.

Image credit: iStockphoto.com/erdikocak