Compare the best insurance before choosing a health insurance
Medical insurance is an alternative to public health that have each day with greater acceptance in society. With a public health system increasingly crowded, users looking for immediate, no waiting lists and a more personalized, they would prefer to purchase health insurance. However, it is difficult to make a good decision about which of the more than 30 existing medical insurance best meets our needs.
So we created an innovative and free health insurance comparator with which you can compare your price just 1 minute customized major insurers. Moreover, you can contact a specialist team of advisors will inform you about the differences between the different policies and companies so you can make a good decision. Create your comparison now .
Key aspects for the choice of health insurance
Bear in mind that when choosing among different health insurance, the first step is to define which health care needs you have, what kind of user you are, if you want full coverage or just for certain services. If a person has a managerial positions and is also satisfied with the care they receive from public health to primary care, but to trust their health to a private company for more serious situations, you can choose to only offer insurance for hospital care -if surgery or hospitalization. An example of this type of health insurance would be the case of the policy Asisa Hospital, which ensures financial remuneration for each day of hospitalization. Instead, users who search the only private medical assistance immediately and without waiting lists for general and specialist medicine, may opt for basic policies, which provide primary care, in addition to other coverage, but exclude the hospital or more specialized treatment, such as the Basic Plan for Health Care College Plus or Basic Sanitas policy.
The most common health insurance: medical chart policies
In any case, health insurance policies more frequent in Spain are the medical chart, offering comprehensive coverage at a reasonable price, ranging from general medical clinics, or specific specialties to the hospital for any reason. When analyzing this type of policy there are some important aspects must be considered. It is essential for example to know if our trusted physician or pediatrician who has cared for our son since birth belongs to the medical chart of the policy that we want to hire. On the other hand, you should check that the company you’re interested in include assistance in prestigious centers in your city or province, and also referral hospitals for certain specialties both within and outside Spain. For this reason, some companies hold concerts with world reference centers. So does for example Sanitas, which, with its Multi policy allows policyholders to be treated at U.S. hospitals like MD Anderson Cancer Center in Houston. Generally speaking, the medical charts of insurers are spread throughout the country, although there are often significant differences in the degree of coverage and number of subsidized centers in each province. There are even some companies that operate only at local level, as IMQ (whose medical centers are distributed in the Basque Country) or Aliança (which operates only in Catalonia). Despite this, in almost all cases, the policyholders of these companies can have medical care if they move outside these provinces, although the quality is obviously smaller.
Freedom of choice: reimbursement policies
Finally it is worth mentioning the existence of reimbursement policies, designed for people looking for complete freedom of choice in doctors and medical centers, either in Spain or abroad. In these medical insurance, the insured faced in the first instance to the costs of care, and the insurer then reimburses a percentage of them, which typically ranges between 80 and 90% of expenditure. Examples of this type of insurance would be health insurance or policy Adeslas Extra Mundisalud of DKV Seguros. The downside is that the cost of these policies is significantly higher than medical chart policies and therefore often hire only customers with a high purchasing power.
In conclusion, to find the policy that best meets your needs, you should make a thorough analysis of the market. A kit knowledge of our team of experts and requests a telephone conversation without any commitment to a specialist adviser. You alcar decantarte any questions before the company that will protect your health over the coming years.
