6 Tips for Choosing Health Insurance
With the arrival of the cold, the time of flu and colds also arrives. For this reason, there are many who decide at this time to take out private health insurance . For 77% of the people who consider it, the main reason is the agility at the time of receiving medical attention, according to the Private Health Barometer 2015. However, each health insurance is different, so before hiring it is important that you take into account some recommendations.
1. Attend to your specific medical needs
Not all people have the same medical needs. For this reason, there are different types of health insurance on the market . If you are one of those who go to the doctor frequently, it is likely that you should take out medical insurance without copayments , with a monthly premium that includes all medical services. Conversely, if you do not usually go much consultation can best resultarte one insurance copayments or one BAREMADO , whose cousin is cheaper, but you pay a fee every time you receive a service. On the other hand, there are reimbursement insurancethat allow access to all medical services, regardless of the insurer to which they belong, or policies that do not include hospitalization coverage. Pay attention to the characteristics of each one and choose the most suitable for you based on your medical needs. Depending on the option you choose, the insurance will be priced higher or more affordable.
2. Check the medical chart of the insurer
If you have been recommended a specific doctor or you want to have the option of going to a specific hospital, before hiring health insurance you should look at the medical chart of the insurance company . In it you can consult the doctors or centers that are associated with a specific insurance company. If the one you are looking for is not included in your medical chart, you will have to find another insurer that includes it, opt for a reimbursement policy or assume the cost of the consultation separately.
3. Beware of deficiencies
Before hiring health insurance, it is recommended that you know that there are certain medical benefits that have grace periods . This means that there is a period of time from when you contract the policy until you can make use of certain services. The most common are usually pregnancy, childbirth and postpartum. Normally, a period of between 6 and 10 months must elapse (depending on the insurer) from when the insurance is contracted, until it covers gynecological or hospital expenses due to pregnancy and / or delivery.
4. Take a good look at the coverage and its limits
In addition to the type of health insurance, you must take into account the coverage that each one includes. Normally within a Medical policy you find coverage such as general medicine, nursing, rehabilitation, oral treatments ..., however, not all insurance includes all these benefits, nor with the same limits . Take a good look because it may be that for example two different insurances include dental coverage, however one of them limits it to two sessions a year, while another offers you 10. Choose the insurance taking into account your medical needs, avoid paying for coverage that you are not going to use, but also do not fall short when hiring them.
5. Attention to pre-existing diseases
When you take out medical insurance, it is very likely that the insurer will ask you for a questionnaire in which you will have to answer questions regarding your state of health . They will surely ask you about the diseases you suffer or have suffered, possible allergies, or surgical interventions. In this way, the company assesses the risk involved in insuring you, will decide whether to do so or not, and will take it as a reference to establish the insurance premium. Also, some insurers exclude pre-existing conditions that you may have from the policy . This means that even if they insure you, the treatments derived from the disease you suffered before hiring the policy are out of coverage and you have to take them separately.
6. Compare prices and coverage of different medical insurance
There are many reasons why to take out health insurance : speed and agility in health care, direct access to specialist doctors, free choice of doctors and hospitals ... However, for 53% of the cost is the main disadvantage , According to the Index Life Barometer 201 5. To avoid paying more for a Medical policy, there are tools that allow you to save as much as possible when purchasing these products. With it, it is possible to find the type of policy you are looking for, with the most appropriate coverage for you, and at the most economical price.
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