Many private companies and some public entities (although the latter increasingly less) offer their employees health insurance, which provides benefits to both sides : on the one hand, companies enjoy tax deductions interesting of this insurance expenditures Shared Health, on the other hand, this social benefit is usually the most desired and valued by workers and managers in Spain.
If you're lucky enough to have this health care service by the company, but you should look for a policy that covers what the company does not, which certainly will lower the health care you want for you and your family.
Variety of types of health insurance
Different health insurance, just like life or car, are very different from each other. Let us see what are the main differences between the different types of health insurance.
Health Care Insurance
In this type of insurance the insured receives benefits of services and coverage within a cadre of professionals and private schools with the company.
Insurance Medical Expense Reimbursement
Tax and mixed mode
Indemnity Insurance
What benefits or coverage must have our health insurance?
Before opting for one or another type of insurance Health must determine what benefits or coverage we want to protect, ultimately what we want insurance. A large number of variables that we can tilt a form of insurance or other, for example:
Also have to be realistic with our economic capabilities and choose the insurance that best protects us, but we must not skimp and get the cheapest health insurance without crucial coverage . Always opt for the most beneficial insurance but when it comes to our health caution should be even greater because the cheap can often get out expensive.
The Moral Hospital
You can opt for a Health insurance with basic coverage , which cover doctor visits but not hospitalizations and diagnostic tests, if what you want is to see a specialist without having to go through the GP without as many bureaucratic procedures . Is the way to get the most suitable price possible, but assuming for diagnostic tests, hospitalizations or operations have to rely on Social Security for good or ill.
If instead you want insurance comprehensive Health for your family , determine whether you want to pay a lower but copayment monthly fee , which means that you pay a portion of health services you use on average in that You go by or a policy with no copay and fixed monthly fee that does not depend on the degree of utilization of health services that will obviously be higher than in the previous case.
Although insurers often have very large medical conditions, it is important that the insurance before you check your reference specialists are included in the medical chart of the entity you selected . It may be that health insurance of a certain company is very good, but it turns out in your medical chart is not your personal doctor.
What variables affect the price of insurance Health?
The price of health insurance will be determined by four main factors:
Age
The older the person, the more you will have to pay for health care, as the insurer believes it has a higher risk.
Place of residence
Sex
The criteria of each company
These factors make search, compare and analyze all the information possible before hiring Health insurance is the best choice we can make and this is where the work of special importance Acierto.com helps you get more health insurance full at the best price.
The importance of choosing good coverage
It is important to analyze what coverages we recruit and select only those that are important and ignoring those that are unnecessary. However despite the coverage we want to hire insurers may grant exemptions to certain situations:
The insurer is not liable to disease or preexisting medical conditions to contract signing
In this regard it is important to provide our data and information about the most reliable way possible and not lie about the state of health , because the insurance will not pay for anything if it is a preexisting condition that the customer had signed before the contract, although this always claim you must prove the pre-existence of the disease.
The insurance company may refuse to sign the contract if the insured suffers a specified future disease
Exemptions or deficiencies to ensure pregnant women
Exemptions for diabetics or deficiencies or over 60
Exemption for persons affected by HIV disease, drug or alcohol
The insurance will not protect situations officially declared wars and epidemics, nuclear or radioactive damage
Not cover physical damage caused by sports injuries
Beware the limits, shortcomings and copayment
When we hire insurance Health must take into account the limits , ie how far we covered by our insurance because of this variable is going to depend that certain situations are covered and we will not have to face ourselves these expenses or otherwise, that insurance did not cover and we should take personally the costs.
One of the main limits refers to the hospitalization in which typically the insurance covers up certain days that usually varies between 30-90 days.
Thus if we have to submit to an operation, and recovery requires a hospital stay of 20 days we will see to what day our policy is responsible for the costs because it can only cover up to the tenth day, for example, and the rest should run on its own.
Lack is another element to consider in insurance since insurance does not work with all its benefits from day one. The insurance company imposes a waiting period for certain situations. Thus, during the first six months the insurance will not cover surgeries and hospital stays. In the case of women, is often applied a lack of between 9 and 10 months for delivery assistance.
Another factor of choice is a copay , especially because it can increase the cost of health care, especially if unfortunately we have to resort to it much. The insurance company will charge us an additional fee for the use of certain medical and health services. Copay expensive access to nursing service, the use of the ambulance, the childbirth preparation courses (10 euros per visit if the pregnant young woman) or emergency
Prevents the automatic renewal of your insurance
Finally we must avoid automatic renewals for years our Health insurance because they can produce many economic losses in the form of rising policy without our knowledge until it is too late. If you do not want to continue with the insurance, both the company and the customer must give at least two months in advance but if the insured has already begun treatment, the company can not terminate the policy until it has completed.
On the other hand, when we go to make the payment of our health insurance we can do this in two ways: through a single payment or in several monthly installments which includes a fixed rate of interest paid by the insurer . So pay the policy once will always leave us more profitable to do so postponed so if they have the money then it is best to opt for the single payment option.
Before renewing is good to do a free comparative to check prices during the year have dropped so much competition between our health insurance and our own insurance.
How to select the best company?
When choosing a good health insurance comparisons are odious, is enjoying good health and we must not forget that we want this insurance is to protect our health and our family. So before hiring Health insurance must analyze all bids, compare them and not only in the price fixed in the first year premium but also on other variables:
Experience in health insurance
First you have to look if the insurance company has experience in medical insurance because it can be very good for car insurance, but not to ensure our health.
Check the team of professionals that form its medical
Choosing a company that guarantees health care abroad
Possibility of customizing insurance
Check if the insurance includes disease prevention programs, specific coverage of child health or dental services
Price differences of more than 300 USD per year
The price can not be the only element of choice , although it is obviously one of the key factors for favoring a particular health insurance. It should also have coverage, limitations, waiting periods, medical centers and box, the quality of service.
To get the best health insurance benefits must analyze what you need, what situations you want to protect and compare service offers each company and especially the price of each policy and nothing better to do with our insurance comparison .
Variety of types of health insurance
Different health insurance, just like life or car, are very different from each other. Let us see what are the main differences between the different types of health insurance.
Health Care Insurance
In this type of insurance the insured receives benefits of services and coverage within a cadre of professionals and private schools with the company.
Insurance Medical Expense Reimbursement
Tax and mixed mode
Indemnity Insurance
What benefits or coverage must have our health insurance?
Before opting for one or another type of insurance Health must determine what benefits or coverage we want to protect, ultimately what we want insurance. A large number of variables that we can tilt a form of insurance or other, for example:
- If we are to continue using the Social Security for basic assistance to private healthcare specialists and hospital stays.
- If we want to avoid the queues and waiting lists, or choose the medical center and professional.
- If we are looking for, in case you have to enter the hospital, can be guaranteed a single room ready for a companion.
- If we want a 24 hour service every day of the year.
- If we want health coverage abroad.
- If you have (or will have) children or not.
- If there is a predisposition to certain diseases , for example, mainly interested preventive programs, screening.
Also have to be realistic with our economic capabilities and choose the insurance that best protects us, but we must not skimp and get the cheapest health insurance without crucial coverage . Always opt for the most beneficial insurance but when it comes to our health caution should be even greater because the cheap can often get out expensive.
The Moral Hospital
You can opt for a Health insurance with basic coverage , which cover doctor visits but not hospitalizations and diagnostic tests, if what you want is to see a specialist without having to go through the GP without as many bureaucratic procedures . Is the way to get the most suitable price possible, but assuming for diagnostic tests, hospitalizations or operations have to rely on Social Security for good or ill.
If instead you want insurance comprehensive Health for your family , determine whether you want to pay a lower but copayment monthly fee , which means that you pay a portion of health services you use on average in that You go by or a policy with no copay and fixed monthly fee that does not depend on the degree of utilization of health services that will obviously be higher than in the previous case.
Although insurers often have very large medical conditions, it is important that the insurance before you check your reference specialists are included in the medical chart of the entity you selected . It may be that health insurance of a certain company is very good, but it turns out in your medical chart is not your personal doctor.
What variables affect the price of insurance Health?
The price of health insurance will be determined by four main factors:
Age
The older the person, the more you will have to pay for health care, as the insurer believes it has a higher risk.
Place of residence
Sex
The criteria of each company
These factors make search, compare and analyze all the information possible before hiring Health insurance is the best choice we can make and this is where the work of special importance Acierto.com helps you get more health insurance full at the best price.
The importance of choosing good coverage
It is important to analyze what coverages we recruit and select only those that are important and ignoring those that are unnecessary. However despite the coverage we want to hire insurers may grant exemptions to certain situations:
The insurer is not liable to disease or preexisting medical conditions to contract signing
In this regard it is important to provide our data and information about the most reliable way possible and not lie about the state of health , because the insurance will not pay for anything if it is a preexisting condition that the customer had signed before the contract, although this always claim you must prove the pre-existence of the disease.
The insurance company may refuse to sign the contract if the insured suffers a specified future disease
Exemptions or deficiencies to ensure pregnant women
Exemptions for diabetics or deficiencies or over 60
Exemption for persons affected by HIV disease, drug or alcohol
The insurance will not protect situations officially declared wars and epidemics, nuclear or radioactive damage
Not cover physical damage caused by sports injuries
Beware the limits, shortcomings and copayment
When we hire insurance Health must take into account the limits , ie how far we covered by our insurance because of this variable is going to depend that certain situations are covered and we will not have to face ourselves these expenses or otherwise, that insurance did not cover and we should take personally the costs.
One of the main limits refers to the hospitalization in which typically the insurance covers up certain days that usually varies between 30-90 days.
Thus if we have to submit to an operation, and recovery requires a hospital stay of 20 days we will see to what day our policy is responsible for the costs because it can only cover up to the tenth day, for example, and the rest should run on its own.
Lack is another element to consider in insurance since insurance does not work with all its benefits from day one. The insurance company imposes a waiting period for certain situations. Thus, during the first six months the insurance will not cover surgeries and hospital stays. In the case of women, is often applied a lack of between 9 and 10 months for delivery assistance.
Another factor of choice is a copay , especially because it can increase the cost of health care, especially if unfortunately we have to resort to it much. The insurance company will charge us an additional fee for the use of certain medical and health services. Copay expensive access to nursing service, the use of the ambulance, the childbirth preparation courses (10 euros per visit if the pregnant young woman) or emergency
Prevents the automatic renewal of your insurance
Finally we must avoid automatic renewals for years our Health insurance because they can produce many economic losses in the form of rising policy without our knowledge until it is too late. If you do not want to continue with the insurance, both the company and the customer must give at least two months in advance but if the insured has already begun treatment, the company can not terminate the policy until it has completed.
On the other hand, when we go to make the payment of our health insurance we can do this in two ways: through a single payment or in several monthly installments which includes a fixed rate of interest paid by the insurer . So pay the policy once will always leave us more profitable to do so postponed so if they have the money then it is best to opt for the single payment option.
Before renewing is good to do a free comparative to check prices during the year have dropped so much competition between our health insurance and our own insurance.
How to select the best company?
When choosing a good health insurance comparisons are odious, is enjoying good health and we must not forget that we want this insurance is to protect our health and our family. So before hiring Health insurance must analyze all bids, compare them and not only in the price fixed in the first year premium but also on other variables:
Experience in health insurance
First you have to look if the insurance company has experience in medical insurance because it can be very good for car insurance, but not to ensure our health.
Check the team of professionals that form its medical
Choosing a company that guarantees health care abroad
Possibility of customizing insurance
Check if the insurance includes disease prevention programs, specific coverage of child health or dental services
Price differences of more than 300 USD per year
The price can not be the only element of choice , although it is obviously one of the key factors for favoring a particular health insurance. It should also have coverage, limitations, waiting periods, medical centers and box, the quality of service.
To get the best health insurance benefits must analyze what you need, what situations you want to protect and compare service offers each company and especially the price of each policy and nothing better to do with our insurance comparison .
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