As we have seen in previous posts, contracting private health insurance is becoming more common due to the shortcomings of public health. However, before taking out private medical insurance, it is advisable to get proper advice to know which insurance is best suited to your interests. To do this, you must be clear about some issues and concepts that will help you better understand your health insurance.
What are the gaps in private health insurance?
Some health insurance includes gaps. The lack indicates the time that must elapse from when a Medical insurance is contracted to be able to use a certain medical service. Until this period has elapsed, the insured must assume the costs of the services used. The usual is usually a minimum of 6 / 8 months for services such as surgery, hospitalization and certain diagnostic tests. For childbirth, it is usually raised to 10 months, depending on the insurer.
What do we mean by pre-existing?
In the terminology of health insurance, pre-existing illnesses or ailments that the insured suffers from prior to the date of contracting the policy are understood as pre-existing. These illnesses must be reported to the insurance company before formalizing the contract. A good advisor is important to negotiate with the insurer the inclusion or exclusion of pre-existing conditions.
What do we mean by indisputability?
Indisputability is a clause that is added to private medical insurance and that means that the insurer takes over the coverage of a pre-existing illness in the event that the insured person did not know about it or did not intentionally omit it when contracting the insurance.