When it comes to insurances, medical aids, hospital plans etc the things to consider are the suitability of the cover in question, how cost effective the option you have is, are their alternatives in the market that could perhaps better meet your needs and save you money, are all your bases adequately covered, are you over covered or under covered etc. Ultimately as a client you want to know that you’ve got the most suitable and adequate and option at the most cost-effective price. Insurances, both long and short term, are generally a grudge purchase so the idea is to make sure that you are covered for all eventualities while keeping the monthly premium as low as possible. If you deal with an IFA (independent financial advisor) they can reprice your full insurance portfolio across various providers annually to make sure you are getting as much bang for your buck as possible.