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.