The usual question is, at what age should I consider taking out health insurance?
There really is no minimum age to benefit from health insurance.
Avoid waiting lists for diagnostic tests, direct access to specialist consultations, the possibility of second medical opinions, including international ones, special conditions in case of hospitalization, free choice of doctors, etc. There are really many elements that people value when weighing this decision
wondering At what age should I take out health insurance? many times the answer that one gives oneself is that “when you have health problems”. This apparently logical approach would conflict with the rules of medical insurance companies in the Canary Islands. When contracting medical insurance, the health history that has been had must be declared, and insurers must assess them and in many cases exclude them from coverage because they are considered pre-existing prior to the contract. This would mean that an illness or disease of importance and everything related to it, would be excluded from future consultations or treatments. Therefore, andn the case of a real interest in having medical insurance, we must measure very carefully the moment in which we subscribe it.
One of the usual reasons for signing up for health insurance is a future pregnancy, which would be a great time to consider this decision, but with some rules that we must take into account regarding the waiting periods and premature births that can be seen in our Article “MEDICAL INSURANCE TO GET PREGNANT”. This decision would give private medical attention to the entire process of gestation, childbirth and the needs of the baby. Most insurers automatically guarantee the inclusion of the newborn within the coverage, for any birth problem or special care that may be required.
Is there a recommended age?
The truth is that benefits are obtained at any age, and that prices are adapted to age and are cheaper for young people. The younger you take out the insurance, the more coverage you will have, since when an ailment or illness occurs, the insurer will not be able to claim that it was pre-existing.
Are there cheaper options for medical insurance in the Canary Islands?
The answer is yes, there are options for all pockets and profiles.
Are there different types of coverage?
There are very diverse modalities, one of the main differences is deciding the contracting module or modules:
- Outpatient consultations, specialties and diagnostic tests
- Hospitalizations
If only the first module is chosen, the price of the insurance drops a lot, to approximately €12 per insured person/month, being accessible to any family economy.
If we include the two modules, the premium is somewhat higher, from approximately €35 per insured person/month. They can be contracted individually or jointly
Are copays interesting to lower the premium?
There is a general rejection of copays, which in many cases is not justified. Our assessment is that they can be very interesting for certain customer profiles and that in some cases they can lead to significant cost savings.
Hiring medical insurance requires independent and personalized advice. With our insurance comparator in the Canary Islands you can have a price orientation, and later we can advise you in a personalized way on the best option for your medical insurance in the Canary Islands.
If you want to save on your insurance, we put at your disposal the first Insurance Comparator in the Canary Islands, where you can calculate on-line the best price in the Canary Islands for car insurance, car insurance, motorcycle insurance, health insurance and many other insurances.