It isn't a nice thing to be faced with that extra expense at such a traumatic time. Not all health insurance is created equal, and it is important you know what you are covered for before you need to make a claim. It is equally important to ensure the cover is comprehensive enough to meet your requirements should you need a major treatment for something. Having a good health insurance policy doesn't necessarily mean it will cost you more, and an adviser can help advise you what things are important to look for when buying health insurance