Compare major insurers before hiring your health insurance
More than 20 health insurance companies in Spain and it is impossible for an ordinary consumer to compare prices and coverage of all of them to make a decision. So we created a Health Insurance Compare Online, which in seconds you can create your customized benchmark among major insurers in the market.
There will also be telephone support from a team of experienced professionals that will clear up any doubt about the different policies, to ensure that health insurance find the best price and coverage for your profile.
Thanks to the comparative health insurance we will send you custom, it will be much easier to make an informed decision about which company and policy is best for you. Bear in mind that many types of medical insurance, depending on the coverages included (hospitalization, specialists, family planning …), geographical (local, national or international) or your age range. However, to simplify the most important differences explain policies grouping two categories.
Medical Network Policies
In this type of policy, the insured can choose the doctor and the center for your needs within the so-called “medical chart” of the insurer, ie the list of centers and specialists concluded by the company. This option is most common among Spanish consumers, offering a wide range of choice at a very reasonable price.
When comparing health insurance of this type, the key is to analyze whether the policy includes the most prestigious professionals and hospitals in the first line of your city. Additionally, if you have a specialist to whom you go regularly (your gynecologist, pediatrician of your children, etc..), It is important to make sure that is also on the table médico.Finalmente noteworthy that within such a policy, there are also so-called modalities “basic.” Like the options “complete”, these forms provide a medical panel to which the insured can go to the doctor or specialist agreed that you want. However, it would address the cases of hospitalization or special tests may be necessary to make a diagnosis. In exchange, the price of insurance is considerably smaller, making it a more common option for consumers who want the freedom to see a specialist without going through the GP, but if they do not care hospital use Social Security.
Medical insurance reimbursement
Unlike the policies described in the previous section, medical insurance reimbursement to the insured offer the great advantage of free choice of doctor you want (in Spain or anywhere in the world). This means that in addition to being compensated at 100% for any visit to a specialist medical panel if the insured chooses to go to a doctor who does not work with your insurance company, it will reimburse between 80 and 95 % of costs, depending on the conditions of each policy.
Such policies are particularly suitable for people who want to be sure to go to the best professionals in case of need, whether they have an agreement with your company or country in which it is located the doctor in question. Since this type of coverage is a much higher cost to insurers, the price of these policies is considerably higher than the health insurance described above. Additionally it should be noted that in case of choosing a medical specialist outside of the box, the insured must meet the payment of services in the first instance and will not obtain reimbursement from the insurance company until it has not validated any documents. For these reasons, this type of insurance is often hire only people with relatively high purchasing power.
