Tulinde

Health insurance checklist: 10 questions before you sign

Reviewed on by the Tulinde editorial team · how we check facts

Short answerChecked 23 September 2026
Print it or keep it on your phone, and go through it with the insurer or broker before you pay. Each point links to the rules for your country below.
  1. You know what the public scheme (SHA, NHIF…) already covers for you.
  2. Inpatient limit per person and per family.
  3. Outpatient, maternity, dental and optical: included or optional?
  4. Waiting periods, and how pre-existing and chronic conditions are treated.
  5. The hospital and clinic network near you, where you do not pay first.
  6. Co-payment on each bill.
  7. Age limits at renewal, and what happens to children's cover.
  8. What is excluded — read the list.
  9. How to claim, and how long reimbursement takes.
  10. The insurer is licensed by your country's regulator.

The rules in your country