Private health insurance is becoming more affordable for many people. With medical insurance we guarantee that when we need to go to a doctor or undergo a diagnostic test or surgical intervention, we do not have to suffer a long wait. It is precisely the speed of assistance the main incentive to take out private health insurance.
What is health insurance?
Private medical insurance is an insurance modality that, in exchange for the payment of a premium, offers the insured the health care that they have contracted. One of the main advantages of private medical insurance is that they offer their insured services that are not provided in public health, or are deficient and have long waiting lists.
What types of health insurance can I take out?
Each company offers its clients different insurance products. In general, we can distinguish between the following modalities:
- Medical insurance, without copays: The insured has the clinics and specialists included in the company's contracted medical list at his disposal. Only the insurance premium that corresponds to pay for the age of the insured is paid, without additional costs for the services used.
- Medical insurance, with copays: Unlike the previous one, the insured will pay an additional cost for each medical act. There are different types of copays (low, medium or high). In this way, the insured lowers the insurance premium in exchange for assuming part of the cost of medical services.
- Reimbursement insurance: the insured freely chooses the specialist or clinic. In the case of being included in the company's concerted table, you must pay the service bill, which will later be reimbursed by the company 80 or 100%.
What are the advantages of private health insurance?
Between otras, weary main advantages of health insurance are:
- A specialist doctor can be accessed directly without the need for a GP to prescribe it first.
- No long waiting lists.
- Freedom of choice of the hospital, center or specialists that we want to treat us.
- Alternative treatments and new medical techniques are often offered.
- In case of needing a hospital admission, the companions will have more benefits.
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