Its almost the end of the year and December is traditionally the time that people look to switch health-insurance companies, and there has also been a lot of debate in the media as to whether or not you should take the absolute basic policy and then pay as you go, as most people should save money.
My feelings are mixed here because nobody plans to become ill or to have an accident, but when they do that excess or restriction on your policy may really cost you dearly!
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