How to choose the best health insurance?
Do you think you need additional coverage in the event of a medical event? Are you thinking about hiring health insurance? Do you know how to choose the policy that best suits your needs? Follow the guide at https://www.o27.org/ and find out what you should take into account when making your decision.
Without a doubt, being protected from an accident, illness or any other unforeseen medical situation is a priority in anyone’s life.
However, although the National Health System is used by more than 50 million Spaniards, the coverage provided by the State is not enough for many families who expect greater and better quality care.
Given this, many have found the solution in private health insurance. Fewer waiting lists, the possibility of choosing the center of attention and the professionals, speed of services, state-of-the-art technology … the list of advantages of medical coverage adds up and continues.
But, in the face of the great existing offer in the market and the great variety in prices and types of insurance, how to know which one to choose ?.
Outpatient insurance policy, with co-payment, reimbursement or medical check-ups. Do you need help choosing the health insurance that best suits your needs? Pay attention, because here I give you eight tips to make the right decision.
1. Analyze your needs
The first step when choosing the best health insurance is to analyze your needs and those of your family group.
For this, it is important that you consider a series of factors that are decisive when calculating the price of a policy and its degree of coverage. Among them are:
- Age of each of the beneficiaries of the insurance
- Health status of family members
- Life habits
It is important that you know your situation and that of the people that will be included in the insurance, as this will make it much easier to choose the appropriate coverage.
It is important to know that basic health insurance gives you access to several medical services such as general medicine, childcare, nursing, rehabilitation, family planning, oral treatments or preventive medicine, among others.
However, signing more or less complete insurance will depend exclusively on your health needs.
Today, the market offers special coverage, such as optical insurance, dental insurance, health insurance for women or other types of additional guarantees.
2. Choose the best insurance company
Choosing the best health insurer is another important point to consider before hiring health insurance.
It is necessary that you put yourself in the antecedent of the different companies that operate in your place of residence and that you analyze how reliable they can be.
What is your experience? What doctors are you working with? Do you have international coverage? Do you know someone who already has health insurance with that company? … all the information can be useful when choosing.
3. Find out about existing coverage
Do you already know your needs and those of your family? Then it will be necessary to know the types of coverage existing when hiring health insurance.
Currently, each insurance company has a wide range of possibilities and they will vary according to your own requirements.
Let’s review the coverages to which you can have access:
- General medicine
- Medical Specialties
- Family planning
- Dental treatments
- Preventive medicine
- Diagnostic tests
- Outpatient surgical interventions
- Hospital interventions
- Emergency service
- Ophthalmological care, etc.
Do not forget that it is you who decides the insurance coverage and the guarantees that it will include.
4. Think about the type of health insurance you want to hire
Regardless of the type of coverage you wish to hire for your medical insurance, it is important that you think about what type of modality you want to subscribe to , as this decision will directly affect the premium you will have to pay for your private medical coverage.
The modalities to which you can access are the following:
Medical box insurance
With this type of insurance, you can access the list of professionals and clinics associated with your company.
In this case, you can go to a medical consultation as many times as you want and, depending on the formula chosen, without any type of surcharge.
The modality of the medical chart is perfect for those people who do not have a lifelong treating doctor or for those who need to consult different specialists.
However, if your family doctor is not in your insurer’s list and you do not want to change your professional, it is best to opt for another type of modality.
With or without co-payments
Insurance with or without a copayment is an option that you can choose at the moment of signing a medical box policy.
- Medical insurance with co-payment: both the insurer and the insured pay a part of the medical fees or services. This option is ideal for those who do not usually go to the doctor regularly.
- Medical insurance without copayment: the insurer assumes all health expenses. This option is ideal for those people who need continuous care and who regularly attend the doctor.
Insurance with refund
Unlike medical insurance, with this type of modality, you can go to the doctor or clinic of your choice without the need for it to be on the insurer’s list of professionals.
However, you must assume part of the cost of care which, depending on the company; it is usually between 70 and 100%.
Mixed insurance is that modality that includes medical insurance and insurance with reimbursement in the same policy.
In this way, you can go to the doctors who are part of your insurer’s list as well as to the professionals of your preference.
5. Find out about all exclusions
It is important to know that health insurers have the power to reject a potential client if they consider it as a non-profitable person.
Among the most well-known exclusions set by companies are:
- Physical disabilities caused by attacks, wars or epidemics
- Sports injuries
- Detoxification treatments for addictions (drugs, tobacco, alcohol, etc.)
- Plastic surgery
- HIV treatments
- Studies of the genetic map, etc.
For this reason, it is very important that you declare any type of illness or disability (physical or mental) to your insurer.
Otherwise, your coverage could be annulled for not having declared your situation and lied about your state of health.
6. Find out about the grace periods fixed by your insurer
The grace period is the time between insurance registration and the day you can start using your coverage.
And although all insurers have similar deadlines regarding the grace periods, it is necessary that you have them clear before signing your insurance.
Among the usual shortages the periods are the following:
- Surgical interventions or hospitalizations = 6 months
- Childbirth = between 8 and 10 months
- Assisted reproduction treatments = around 24 months
- Diagnostic tests or complex clinical analyzes = between 3 and 6 months
7. Look at the complementary services
A point that you should not miss before deciding on your health insurance is to ask about the complementary services that will be associated with your policy.
Many times, insurers include complementary services in their medical insurance that you have not requested but that will automatically raise your annual premium.
8. Compare offers
Finally, it is very important that you compare the offers offered by the market. Read the fine print of the contracts, quote, evaluate prices … everything is valid when making the best choice.
Today, there are different sites specialized in the comparison of medical insurance, do not hesitate to resort to them.