When we consider hiring a private health insurance we must take into account some aspects, such as coverage, deficiencies and exclusions, in order to choose the one that best suits our needs. In the present article we will discuss all that we ought to be aware of prior to recruiting medical coverage.
The number of people who consider taking out private health insurance as a complement to public health is growing every year, as is the offer from insurance companies. Given the wide variety of options available to us, taking out private health insurance, a priori, does not seem like an easy task.
How to hire health insurance and choose the right one?
To choose a health insurance that really suits our needs, we must take into account important aspects that will give us information, both about what it offers us and what each policy limits us. These are the most important aspects that we should know before hiring health insurance:
The type of insurance
The first aspect that we must assess before contracting medical insurance is the type of insurance to contract. Is insurance with copayment better for us, in which the monthly premium is lower but we pay a fee for each service received, or without copayment, where the premium is higher but includes all services? Depending on the frequency with which we go to the doctor, one type of insurance or another may be convenient for us. There is also reimbursement insurance, a modality within the medical policies that allows us to access the private doctors and health centers that we want, paying the entire visit but later recovering part of the amount of the invoice.
The coverages included and their limits
Health mutuals offer us different types of insurance, depending on the coverage that is included. Before taking out medical insurance, we must carefully analyze the ones that best suit our needs, because although, generally, medical insurance includes coverage for the main specialties, such as general medicine, gynecology and obstetrics, pediatrics, nursing, rehabilitation, etc. Not all companies offer the same or in the same way. On the other hand, does it cover hospitalization? What diagnostic tests and what type of dental coverage are included? Therefore, another of the things that we must do before contracting health insurance is to check that the ones that interest us the most are included and to know the limitations in terms of the number of sessions, economic amount…
It is vital to be extremely clear about what our protection offers us and not let ourselves be amazed by appealing offers that don’t exactly address our issues.
The medical table
A company’s medical staff is made up of the doctors or health centers associated with that company. If we are interested in a specific specialist or center, it is useful to know whether or not it is included so as not to have to opt for a policy with reimbursement or bear the cost of the consultation yourself.
In this sense, it is additionally vital to understand what administrations and crisis focuses the guarantor offers and assuming home help is incorporated.
Before taking out health insurance, it is necessary to know what are the waiting periods for the various medical benefits. In order to prevent a person from taking out health insurance just to undergo a medical test, treatment or surgery and then unsubscribe, health insurers establish waiting periods for certain services. In other words, a waiting time to be able to access them once the policy comes into force. The most common are those that affect pregnancy, childbirth and postpartum, which are usually between six and ten months. If we plan to use some insurance benefits right away, we must know whether or not it will be possible for us.
The exclusions of a health insurance are the assumptions (diseases, diagnoses, treatments or physical states) that the insurers will not cover in any case, so we must know if the policy includes these assumptions and what they are. They are common in medical insurance and are specified in the policy contract.
It is common for the health insurance company to request that you answer a questionnaire about your current health status and medical history. Certain chronic diseases, pathologies or previous injuries that the policyholder presents prior to taking out the insurance may not be included in the policy or may cost us an extra premium to do so. It is what is called “pre-existing diseases” and we must take into account, if we have them, if they are covered or not before deciding to hire health insurance.
Some insurers increase the price of the policy from a certain age (approximately 65 years), so it is important to take this point into account for the future.
The last point on how to contract the appropriate health insurance would be to assess the geographical coverage of the insurance. As a general rule, health mutuals offer national health coverage. However, to avoid surprises, it is convenient to check that our health insurance covers us outside our autonomous community or even abroad, a very interesting aspect if you usually travel.
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