NovaFlare77
Registered User
- Messages
- 443
That really is a question only you can answer, as it's your policy at the end of the day, so it needs to be a policy you're happy with.
That said, if the price of plans with every medical cover is around the same as plans without, and you're happy with the price and the other benefits offered, then I don't think it's any harm to include the cover.
At this stage though, if you're finding all the different options confusing (and you're probably not the first person to think so!), it's no harm to just focus on getting good hospital cover in place first. You can add the everyday cover later on, either as a separate add on, or by moving to a plan that offers this cover. There are currently no waiting periods for this cover for people under 55, so you don't have to sort that one out right now.
That said, if the price of plans with every medical cover is around the same as plans without, and you're happy with the price and the other benefits offered, then I don't think it's any harm to include the cover.
At this stage though, if you're finding all the different options confusing (and you're probably not the first person to think so!), it's no harm to just focus on getting good hospital cover in place first. You can add the everyday cover later on, either as a separate add on, or by moving to a plan that offers this cover. There are currently no waiting periods for this cover for people under 55, so you don't have to sort that one out right now.