Tips For Choosing Good Health Insurance
Private health insurance is increasingly in demand. But if you are thinking of taking out medical insurance, take into account the coverage, modalities or conditions of contracting the different companies, among other conditions
From Medical Policy we detail five tips that you should take into account when choosing your health insurance.
1. What needs do I have to cover?
At the time of hiring private health insurance, we must be very clear that we need private health.
For example, we may need health insurance to perform certain services such as rapid diagnostic tests. Or we can seek to have all services covered. Or also to be able to go to any specialist both in Spain and abroad. Here you can find a comparison with all the coverages offered by medical insurers.
The first thing is to assess what type of health insurance we are looking for.
- BASIC INSURANCE: It covers outpatient care such as primary care consultations, specialists, simple therapeutic methods and diagnostic tests.
- COMPLETE INSURANCE: Consultations with any specialist, diagnostic tests of all kinds, treatments, hospitalization and surgical intervention, within a concerted medical framework.
- REIMBURSEMENT INSURANCE: It is a complete insurance, but in addition to a concerted medical staff, you have free choice of doctors and centers through the reimbursement of medical expenses.
2. Different types of policies
We must bear in mind that basic insurance and complete insurance can be:
- With Copays: For people who do not go to the doctor often. They prefer to pay a cheaper premium, and pay a certain amount depending on the services they use.
- No Copays: A single premium is paid regardless of the medical services used, without paying an extra payment.
In the market, there are many options of complete policies with very affordable prices, and it is usually compensated with the average medical services, which is usually performed by an insured.
But not all health insurance includes the same benefits, nor the same limits. So it is important to make sure that the coverages we hire fit the needs we can foresee.
For example, podiatry assistance has a limited number of sessions. If you go frequently to this specialist, it should be taken into account when hiring with one or another company.
Choose insurance taking into account your medical circumstances, avoid paying for coverage that you will not use, but do not fall short when hiring them.
Therefore, from Medical Policy, we analyze the needs of our policyholders, and we assess what type of policy according to your circumstances, you are interested in hiring. You should avoid paying for services that are not going to be used, but always hiring the coverage we really need.
3. Review the medical chart of the companies
If we take out medical insurance, we must confirm if what we need is within the medical charts offered by the companies.
For example, if we are looking for a specialist or a certain center, we must know which companies they work with, to choose one or the other.
Another example, if we look for certain services in our area of habitual residence or vacation or simply the doctors we go frequently.
That is why it is important to assess which companies have the best medical staff for us, and choose between them.
But searching every medical chart of every company is almost impossible. Therefore, our advisors will help you review among the different medical charts, the one that best suits your needs.
4. Beware of pre-existing conditions
The existence of diseases that have been initiated or diagnosed before the contracting of the policy, must be declared in the health questionnaire.
Pre-existing conditions are very important, and the company may not accept the contract, or allow it, but with modifications in premium or services.
Our advisors take into account these conditions for new hires without diminishing as much as possible, the coverages and with better economic conditions.
5. Go to Medical Policy
There are many insurance companies that market health policies. And in turn, each of them has different products, with different coverages and contracting conditions.
So comparing one by one, can be a really heavy and complex task.
You can save that work if you visit our website polizamedica.es.
Just fill in two pieces of information: your age and your zip code. We send you a detailed comparison between the different companies in the market and the different products that fit what each insured needs.
In addition, a specialist advisor will contact you, to analyze your needs, to be able to advise you among all the available options and help you in all the necessary steps for hiring.