Are you reviewing what you pay for your health insurance? Do you want insurance with better conditions than the ones you currently have? If this is your case, we are going to help you with our advice to renew or take out health insurance in Tenerife and Las Palmas, with the best conditions.
The first thing you should know is that if you want to cancel your current insurance, you must notify the insurer 1 month in advance. We recommend that the notification of cancellation be made in writing, leaving a record of the sending of the same. However, most medical insurance expires on December 31. If this is your case, you must communicate the cancellation before November 30.
Decide what type of health insurance you or your family need
- "Medical List" insurance. You can choose a doctor or clinic from among those listed in the insurance company's medical directory.
- Refund Insurance. You can choose any doctor or clinic freely and the insurance company will reimburse you for the bill. If you choose a doctor or clinic that appears in the company's medical directory, you will not have to pay the bill.
We extend a little more information about the reimbursement method, as it is the most interesting and complete. The advantage of this modality is that you are not limited to the doctors and centers offered by the company, which in some cases may be limited. In addition, it is possible to go to any international doctor, as well as a national one, with the insurer reimbursing an average of 80/90% of the bill. This implies an economic availability of the insured, since he must advance the amounts.
Copayments
In medical insurance we can find copays by medical act. These are amounts that the insured must pay each time he uses his health insurance. The average amounts usually range between €2/3 per medical act, but may be higher for certain tests or treatments. Companies have recently expanded the copay products they offer, distinguishing between low, medium or high copays, depending on the amount. The higher the copays, the more the fixed monthly premium is reduced.
However, the companies continue to offer products without copays, which would be the ideal option so as not to have extra expenses on top of the monthly fee.
Company and structure
There are many insurers that offer medical insurance, but not all of them are health specialists. It is important to confirm that the insurer with which you are going to contract your health insurance:
- You have proven experience in medical insurance.
- You have a local office in the Canary Islands with autonomy for test authorizations or incidents
- It offers an important variety of hospital and medical centers within its local box in the Canary Islands
- Offer psychological therapy to employees assistance around the world in case of emergency.
Pre-existing diseases or accidents
As a general rule, insurers limit or exclude coverage for illnesses or accidents that occurred before contracting health insurance. It is very important to get advice from an insurance broker that previously analyzes the client's information, before going to an insurer to contract.
How do we go about contracting the most appropriate health insurance?
We propose a solution with guaranteed success:
- Use our «health insurance comparison » to see the prices and conditions of the main insurance companies in the Canary Islands. You will take advantage of the discounts and promotions in force at all times.
- Expand with our client advisors any information or doubt that may arise.
- Provide us with the necessary information of all future insured to be able to analyze it and confirm conditions. Our customer advisors will provide you with the Health Questionnaire of the insurer you have chosen.
- If the final conditions are of your interest, we can complete the entire hiring without having to go to any office. We will give you access to our "e-customer service" where you can access all the present and future information on your health insurance.
Concentrate your insurance with Canarisk
Concentrate all your insurance in Canarisk and obtain numerous advantages and benefits. Hiring all your insurance in our Insurance Brokerage in Tenerife and Las
We got the best medical insurance in the Canary Islands for you!
If you are looking for private health insurance in Tenerife and Las Palmas, you have come to the right place. Our knowledge of the local market allows us to always offer you,
Guaranteed improvement of your insurance
At Canarisk we are committed to improving any insurance you bring from the competition, under equal conditions and coverage. Your trust in our management deserves this