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The Do’s and Don’ts of Health Insurance

When shopping for health insurance, shop smart.

Don’t be deceived by insurance agencies allowing them to sell you plans from their preferred carriers so that they can clinch the sale and leave you with obstacles to solve.

When you buy a health insurance policy you should: 

  • Know that there are restrictions on coverage
  • Pay special attention to terms and conditions in the policy like:
    • The clause excluding pre-existing diseases
    • Waiting period before certain diseases can be covered
    • Restrictions or limits on various expenses relating to hospitalisation
    • Co-payment, which means you have to share a part of the claim
    • Pre-conditions for renewal
    • Upper limits for age at entry and for renewal
  • Disclose details of all pre-existing health problems including
    • Major ailments
    • Conditions like high blood pressure or diabetes
  • The company may want medical test reports depending on age at entry, you should comply with all procedures and documentation requirements
  • Check where and how the medical tests will be carried out
  • Check who should bear the cost for the tests
  • Pay the premium only after the insurer accepts your proposal
  • Renew the policy meticulously for the rest of your life


  • Conceal facts or you could face a dispute at the time of a claim
  • Allow a gap of even one day in your policy renewal or your cover may be insufficient or useless

Make sure to contact Cosmo Insurance Agency, our health insurance brokers in New Jersey spend all the time necessary to determine what your needs and priorities are. We are independent and offer plans from a large spectrum of reputable carriers. We explain your options in great detail and clarity– down to the fine print – so that you can choose a plan that will satisfy you for the long term