Private health insurance is increasingly in demand. But if you are thinking of contracting health insurance, take into account the coverage, the modalities or the contracting conditions of the different companies, among other conditions.
From Medical Policy we detail five tips that you should take into account when choosing your health insurance Medical Billing & Coding Specialist.
1. What needs do I have to cover?
When contracting 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 you can also go to any specialist both in Spain and abroad.
The first thing is to assess what type of health insurance we are looking for.
- BASIC INSURANCE: Covers outpatient assistance such as primary care consultations, specialists, simple therapeutic methods and diagnostic tests.
- FULL INSURANCE: Consultations with any specialist, diagnostic tests of all kinds, treatments, hospitalization and surgical intervention, within an agreed medical chart.
- REIMBURSEMENT INSURANCE: It is a complete insurance, but in addition to an arranged medical chart, you have a 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 frequently. They prefer to pay a cheaper premium, and pay a certain amount depending on the services they use.
- No Copayments: A single premium is paid regardless of the medical services used, without paying an extra payment.
In the market, there are many complete policy options with very affordable prices, and it is usually compensated with the average medical services, which are usually provided by an insured.
But not all health insurance includes the same benefits, or the same limits. Therefore, it is important to make sure that the coverage we hire is adjusted to the needs that we can foresee.
For example, podiatry care has a limited number of sessions. If you go to this specialist frequently, it should be taken into account when contracting with one or another company.
Choose insurance taking into account your medical circumstances, avoid paying for coverage that you are not going to use, but do not fall short when hiring them.
For this reason, from Medical Policy, we analyze the needs of our insured, and we assess what type of policy according to their circumstances, you are interested in taking out. You should avoid paying for services that are not going to be used, but always hiring the coverage that 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 lists that companies offer us.
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 or holiday residence or simply the doctors that we go to frequently.
That is why it is important to assess which companies have the best medical staff for us, and to choose between them.
But searching every medical chart of all companies is almost impossible. Therefore, our advisors will help you to review among the different medical charts, the one that best suits your needs.
4. Beware of pre-existing diseases
The existence of illnesses that have been initiated or diagnosed before contracting the policy must be declared in the health questionnaire.
Pre-existence is 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 reducing coverage as much as possible 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 coverage and contracting conditions.
So comparing one by one can be a really heavy and complex task.
You can save this 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 on 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 on all the available options and help you in all the necessary steps for hiring.
In Medical Policy you will find the insurance you are looking for, with the coverage you need, and at the most economical price.