5 reasons to consider switching your health insurance before April

2024 is already underway – but don't overlook your life admin! March may be the right time for you to reassess your health insurance.

Health insurance can be easy to overlook when you're doing your annual life admin. But as your life continues to change and your circumstances evolve, it's important that your health insurance keeps pace.

So with January not far behind us, it might be time to take a look at your current policies and consider whether it's worth making a switch. This way, you'll still be setting yourself up for success for the rest of the year.

Find out how you can switch over to AIA for your health insurance

1. Introductory offers

During the first 3 months of the year, many insurers have a range of offers available.

So by doing some shopping around, you can potentially get access to some great deals, while also getting the cover you need.

Let's look at AIA as an example.

If you switch your health insurance to AIA Health before March 31 2024, you could receive up to 12 weeks of your policy for free.

Deals like this can help ensure you're still getting the cover you need, without breaking the bank.

Find out more about AIA's introductory offers

2. Greater control over your cover

So – you're looking for cover, but you feel a lot of the policies on offer are relatively restrictive?

Well, the good news is that there are customisable health insurance policies available too.

AIA is one provider that offers this "mix-and-match" approach.

Now, every AIA health insurance option features hospital cover, as a default. Beyond this, you're also able to choose from a range of different extras to build a complete range of cover.

Optical, dental and physio are just some of the services you can pick from – though as you can see on AIA's website, there are plenty of others, too.

Approaches like this can allow you to build out a policy that suits your particular life stage, while also avoiding unnecessary expenditure.

Find out how you can switch over to AIA for your health insurance

3. Membership rewards

Getting the right health insurance is about more than just being able to lodge a claim at the right time.

By opting for a policy with the right features, you can score a range of benefits even when you're not making a claim.

For example, AIA health cover also comes with a membership for AIA Vitality. AIA Vitality includes membership benefits, such as cashback offers and gift cards.

Having access to these can provide a range of benefits to you as a policyholder. You're able to get value from your health insurance, even if you never need to make a claim.

Find out about membership rewards with AIA

4. Getting preventative support

Having access to the right health insurance should also help you feel better in the here and now – and not just with peace of mind, either!

A good insurer should also provide you with preventative support, too.

We mentioned some of the membership benefits AIA Vitality offers just before. But AIA is also a preventative program, too – you're able to learn techniques for better exercise and get access to healthier eating plans.

In turn, this can help you earn additional rewards through the program.

Having access to preventative support can potentially help you avoid health issues down the road and allow you to keep in better shape.

Find out more about AIA Vitality

5. Better value

With the cost of living going up, it's always important to look for savings.

You shouldn't sacrifice quality of health insurance cover for cost. However, making the switch can sometimes lead to reduced costs. You may be able to score cheaper premiums or get better cover for a comparable price.

Back at the start of the article, we touched on the free period that AIA offers. But there are other ways AIA policies can offer value.

Let's say you do have to lodge a claim. If you've been an AIA member for more than 6 months and you have Silver status or higher, you can claim 100% of your hospital excess.*

Under the right circumstances, this can lead to significant savings.

Learn more about AIA's health insurance policies

Compare other health insurers here

• Extra info about AIA

  * If you have held an AIA Health policy for a minimum of 6 months and have an AIA Vitality status of Silver or above, AIA will refund your excess in the event that you're admitted to hospital. Excess refund is not available when claiming on the following clinical categories: Cataracts, joint replacements, dialysis for chronic kidney failure, pregnancy and birth, assisted reproductive services, weight loss surgery, insulin pumps, pain management with device and sleep studies.