One of the most common ways for governments to keep track of their residents be they permanent or temporary, is the use of a national insurance number. Dubbed the national identification number or the national identity number depending on which country you get the number from, it is used for purposes such as taxation, health care, allowing the person to work or benefit from other government-related services.

Health Insurance

Making the Right Choice

As far as health insurance policies go, getting the right insurance policy requires a bit of research. Here are some of the things you need to take into account when choosing your insurance plan:

  • Take into account the 5 categories of insurance plans: bronze, silver, gold, platinum or catastrophic. Depending on which one you choose, the costs and benefits vary.
  • The Monthly premium represents what you will be paying the insurance company no matter if you use their services or not.
  • The benefits you will be getting from your insurance need to be good and plenty enough to justify its costs: they have to offer preventive services for free as well as able to cover already existing conditions
  • Last but not least, keep in mind that different types of plans or providers may offer special benefits when you visit certain doctors or medical facilities.

Now that the main aspects of insurance plans have been taken care of, here are a few additional key things to know when picking an individual health insurance policy.

  • While you may be inclined to acquire the priciest insurance plan, make sure it comes with the necessary “must haves.” You need to identify if you have a history of medical issues in your family and make sure that plan covers it.
  • Don’t buy more than you need; most insurance companies will try to offer the priciest plans they have: you seldom need it and make sure you always go for what you really need.
  • Take in account what amount you can easily handle per month and try to choose something a bit lower.

National Insurance Numbers: A Must Have

Going back to the matter of national insurance numbers, while a lot of countries often issued such numbers for a single purpose varying on what the country was, it quickly became the number one way to identifying their citizens and making sure they are offered all the necessary services that are available. It is currently used not only for the purpose of health benefits but for other purposes as well such as being required for opening a bank account, getting a credit card or obtaining a driver’s license.

In some countries, national identification numbers are required for payment procedures even though the paying party is not a citizen and only makes the payment to someone living in that particular country. In the United States however, such information is not required.

All in all, a national insurance number is a must have for any citizen and is offered automatically when being issued any type of identity document by the country in which you are living. And while the ways in which such a system is implemented vary, the benefits are essentially the same!