Tips for choosing a good health insurance

Private health insurance is increasingly in demand. But if you are thinking of taking out medical insurance, take into account the coverage, modalities or contracting conditions of the different companies, among other conditions

Health insurance can protect you in a number of different ways. It can help you to prevent issues like high blood pressure, heart disease, stroke, or diabetes; and it can help you to live a healthier lifestyle and avoid everyday problems like chronic pain and difficulty sleeping. You can find health insurance that will fit your needs by speaking with an agent or by doing some research on your own.

A lot of people are afraid of health insurance because they assume that it’s going to be too expensive. Well, it’s not very expensive in the sense that it does not cover you in case you get sick. However, you’ll have to pay a lot more for health insurance than the other things that you need to cover. People who have health insurance tend to accumulate a lot of medical bills. So, it’s a good idea to make sure that you have enough money to cover your bills if you get sick. Here are some tips for choosing a good one.

1. What needs do I have to cover?

At the time of contracting private health insurance, we must be very clear that we need private health.

For example, we may need health insurance to perform certain services, such as diagnostic tests quickly. Or we can seek to have all services covered. Here you can find a comparison with all the coverage offered by medical insurers.

The first thing is to assess what type of health insurance we are looking for.

      BASIC INSURANCE: Covers outpatient care such as primary care consultations, specialists, simple therapeutic methods and diagnostic tests.

      COMPLETE INSURANCE: Consultations with any specialist, diagnostic tests of all kinds, treatments, hospitalization and surgical intervention, within a concerted medical table.

      REIMBURSEMENT INSURANCE: It is a complete insurance, but in addition to an agreed medical chart, you have a free choice of doctors and centers through the reimbursement of medical expenses.

2. Different types of policies

We must bear in mind that basic insurance and comprehensive insurance can be:

      With Copayments: For people who do not go to the doctor frequently. They prefer to pay a cheaper premium, and pay a certain amount depending on the services they use.

      No Copayments: A single premium is paid regardless of the medical services used, without paying an extra payment.

In the market, there are many options for comprehensive policies with very affordable prices, and it is usually compensated by the average medical services that an insured usually performs.

But not all health insurance includes the same benefits, nor the same limits. So it is important to make sure that the coverage we contract meets the needs that we can foresee.

For example, podiatry assistance has a limited number of sessions. If you frequently go to this specialist, you should take this into account when contracting with one or another company.

Choose the insurance taking into account your medical circumstances, avoid paying for coverage that you are not going to use, but do not fall short when hiring them either.

For this reason, from Medical Policy, we analyze the needs of our insured, and we assess what type of policy, according to their circumstances, they are interested in contracting. You should avoid paying for services that you are not going to use, but always contracting the coverage that you really need.

3. Review the companies' medical list

If we contract medical chart insurance, we must confirm if what we need is within the medical charts that the companies offer us.

For example, if we are looking for a specialist or a certain center, we must know which companies they work with, to choose one or the other.

Another example, if we look for certain services in our habitual or vacation area of ​​residence or simply the doctors we go to frequently.

That is why it is important to assess which companies have the best medical list for us, and choose between them.

But searching in every medical directory of all the companies is almost impossible. For this reason, our advisors will help you review the different medical charts, the one that best suits your needs.

4. Beware of pre-existing diseases

The existence of diseases that have started or been diagnosed before contracting the policy must be declared in the health questionnaire.

Pre-existing conditions are very important, and the company may not accept the contract, or allow it, but with modifications in premium or services.

Our advisors take these conditions into account for new contracts without reducing coverage as much as possible and with better economic conditions.

5. Go to the Medical Policy

There are many insurance companies that market health policies. And in turn each one of them has different products, with different coverage and contracting conditions.

Mới hơn Cũ hơn