Private Medical Insurance has the advantage of providing fast healthcare, without long waiting lists. For this reason, the contracting of Health Insurance in Tenerife and Las Palmas is becoming more and more frequent. We advise you to take into account the recommendations of professionals when it comes to which type of health insurance you should take out.
What type of health insurance can I take out in the Canary Islands?
When hiring a health insurance in the canaries, doubts may arise about which modality or coverage is the most appropriate. At Canarisk we advise you on the health insurance that best suits your needs. These are some of the main forms of health insurance in the Canary Islands:
- Medical insurance without copays
They are the insurances in which, in exchange for a single premium, you can use medical assistance as many times as you need without having to make additional payments. With this type of insurance you can go to medical centers and hospitals arranged by the insurance company.
- Medical insurance with copays
This type of insurance allows the insured to go to the centers included in the company's medical directory, but in addition to the periodic premium, the insurer must pay an additional price previously agreed, for each assistance received.
- Medical insurance with reimbursement
With this type of health insurance, the insured can freely choose the specialists and centers where he wants to receive health care. The services that are not in the medical list are paid in advance and the invoice is subsequently presented to the company. The refund can be total or a percentage, depending on the option contracted.
What medical services are covered in health insurance in the Canary Islands?
Health insurance in the Canary Islands can be adapted to the services you need. When hiring your insurance you can choose between:
- Insurance with full coverage. They include all kinds of health care, consultations and diagnostic tests, and even hospitalization and surgical interventions.
- Modular insurance. Insurers allow their products to be adapted to the needs of the client, being able to choose the coverage they need. For example, it is possible to take out insurance that only includes specialists and diagnostic tests.
Would health care abroad be covered with health insurance contracted in the Canary Islands?
Most private medical insurances have coverage.to international health. Normally, companies offer a telephone number in their medical directory to contact them in the event that a medical emergency occurs to the insured when he is temporarily abroad. They will take care of the medical assistance that is necessary in their own centers or the insured person will assume the payment of the health care and then the company will reimburse him when he returns.
What should I take into account when contracting or renewing health insurance in the Canary Islands?
It is important that you receive adequate advice on the health insurance that you are going to take out, or that you already have and do not know if it is the best insurance for you. You must take into account issues such as: the insurer and its structure in the Canary Islands, the medical team and the professionals you can access, the company's policy on pre-existing illnesses, etc. We recommend reading our post «5 tips to renew or take out health insurance in the Canary Islands with the best conditions»