You’re looking forward to a quiet night in, so you turn on your favourite streaming service. An hour later, you’re still looking through the options because you can’t decide what to watch. We didn’t think this problem of having too many options was possible a few decades ago, but it’s very real now. The same goes for choosing insurance and energy providers. There are so many options across private health insurance, life insurance and energy. You can waste so much time doing a private health insurance comparison, then trying to find the best life insurance policy for your needs.
Because there are so many insurance companies, brokers, and policy types, it’s normal to feel confused about which one to choose. As a result, many Aussies settle for the cheapest policy they can find without thinking about the features and coverage. This shouldn’t be the case as for example the cheapest life insurance policy may not be the best life insurance policy for your needs.
Billy knows that price is important (especially with the ever increasing costs of every day life), but there are other things to think about when choosing an insurance policy or energy provider for you and your family. Here are some things to think about when comparing insurance policies and energy providers to make sure you make the best choice:
Automatic Coverage vs. Extras You Can Choose
Most insurance policies have extras that you can buy for an extra fee, but some insurance companies include these extras for free as part of their policies. When comparing different insurance policies, make sure to look at what’s included by default and what’s an extra you can buy if you want to. It’s possible that some of the coverages that come with the policy that costs a little more are not included in the cheapest option.
Payback for Loyalty
Some policies give you perks if you stay with the same insurer. These benefits could save you a lot of money, whether it’s because your premium goes down or because you don’t have to pay the excess. So be sure to check with your broker or insurer to find out what benefits you might get for sticking with the same insurer.
When you buy insurance, be sure to ask how the company handles claims. Having to file a claim can be stressful, so the last thing you want is a long process. During a claim, you may want to talk to a person instead of going through the process online. Make sure the insurance company you choose has a dedicated claims phone line (in addition to an online lodgement process).
Why The Cheapest Insurance Might Not Be The Best For Your Needs
There are so many things to think about when you’re looking to do a private health insurance comparison, to try to find the best life insurance Australia (2022). The cheapest might not have all of the benefits you truly need, so you may end up paying for health insurance or life insurance that you do not need.
Compare Now Through Billy Explores
The best thing about Billy is that it’s so easy to start comparing whatever you need to compare. You can easily find the best life insurance in Australia in 2022 and compare life cover through our panel of providers. Then why not start to compare health insurance Australia? Finally why not compare AGL and Energy Australia through Billy Explores and see if you’re getting the best value electricity and energy deal for your needs. Start a health insurance comparison or compare life cover today.
Important Links For Health Insurance Comparison