Until now, the biggest concerns of customers with a health insurance have been the medical chart and the premium they paid. In recent years, it has been common to change insurers to cheaper ones, motivated by the economic crisis, and in some cases at the cost of fewer benefits and coverage. However, as the insured becomes older and accumulates a history of illnesses or injuries, the change of insurer becomes more complicated, since the new contract would exclude pre-existing coverage (illnesses or injuries that already existed when contracting )
Can the insurer cancel the health insurance for excess use?
Most of the insured know that they can cancel their health insurance on their own initiative with a month's notice, but they do not know that the insurer can do exactly the same, albeit with a period of two months. The health insurance contract is an annual renewable contract and therefore can be canceled by either party.
In practice, are insurers canceling health insurance that is not profitable?
Until a couple of years ago, actions of this type were practically unknown. But the economic crisis and the consequent drop in premiums in the sector, has caused more and more cases to be seen in which the insurer proposes or seeks the cancellation of the contract. The insurer can notify the cancellation of the contract two months in advance, or propose a disproportionate increase in the premium to be paid, causing the client to not be able to meet the costs. They also take advantage of variations in the client's situation, such as, for example, the retirement of a client insured in a company group.
According to our point of view, this problem will increase, given that insurers, in order to be more competitive in attracting new insured premiums, will choose to recharge or cancel contracts with unprofitable clients due to illness or accidents. Therefore, it is highly recommended that the choice of family medical insurance takes into account all these factors, opting for adequate coverage with a company that guarantees the provision of medical services for life. Fortunately, there are insurers in the Canary Islands that offer access to private medicine for life.
Do you want to hire the best health insurance in the Canary Islands? We tell you everything you need to know to enjoy private medicine in the Canary Islands:
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