The grace period is a mechanism used by some insurers to prevent actions of customers who only take out insurance to solve a specific ailment or problem.

It is common in the world of insurance and specifically in health insurance.

The grace period is between 3 and 6 months, depending on what type of coverage within the health insurance and the insurer.

The grace period can be eliminated in cases of urgency, according to the Insurance Contract Law.

The co-payment is a small sum of money that the user agrees to pay to access coverage. In the case of health insurance, this amount is usually between 20 and 100 euros.

Like the grace period, it is a mechanism that serves the insurance to avoid uncontrolled expenses by its users.

The co-payment is essentially a way to cushion the expense for both user and insurer since it prevents neither of them from having to pay too high a sum to make use of the insurance.

The period that passes between taking out insurance and starting to use is generally delimited by the grace period.

As we have mentioned, depending on the coverages this term can be between 3 and 6 months depending on coverage, patient and insurer.

Each insurer decides in this case, being common the exclusions of users who exceed 65 years of age.

A pregnant woman can take out private health insurance, however, for the insurance to cover visits to the gynecologist it is necessary to have taken out the insurance before becoming pregnant