10 Tips For Buying Good Health Insurance
December 28, 2019
It is increasingly common to have health insurance that complements the health services of the Social Security.
However, there are almost as many insurers and types of insurance as there are people and, therefore, choosing among so many options is not easy.
If you want to hire a new health insurance, take note of these tips to find the one that best suits your needs.
1. What coverage do you need?
To start looking for your insurance, you should first think about some questions such as deciding if you are going to include your family within your policy.
You should also bear in mind that your age will significantly influence the price of your insurance. In fact, from a certain age, it could be impossible to hire you.
2. Choose the modality that best suits you
Usually, insurers offer clients a medical chart with a wide range of specialties, ranging from primary care to hospitalization.
Another option is the so-called free choice, which allows choosing any professional from anywhere in the world.
These specialists are not always part of the company’s medical staff.
The usual in these cases is that you have to pay yourself the invoices from which the company will return a percentage based on your policy.
In addition, there are mixed modalities that combine the previous two although it is a decision to be taken into account as they tend to be much more expensive.
3. What is the copayment?
The copayment is a formula to lower the insurance premium. In exchange for paying something less in your messages, you will have to face part of the cost of certain medical assistance.
In this way, companies ensure that users do not abuse services and, in turn, users who use this insurance less can pay less.
It’s all about making numbers and figuring out what works best!
4. What are the grace periods?
The grace period is the time that elapses since the insured’s discharge, until it can request a series of health services such as interventions or diagnoses.
This must be taken into account in the case of suffering an illness or being pregnant as it may be that after some time you cannot benefit from services you need for your situation.
This point is one of the most important when hiring insurance.
5. Value the center and its professionals
In the case of health, it is better to prevent than to cure, so take some time to review the medical chart offered by the insurer.
Check that you have quality professionals and specialists and that you can have at your disposal well-equipped medical centers near your residence.
6. Special coverages
Not all insurances include it, you will have to assess if you are interested in receiving special coverage of oral and psychological services, assisted reproduction or travel assistance abroad.
7. Services with authorization
In almost all companies there are a number of services such as hospitalizations, high-tech diagnostics and prostheses that require prior authorization.
Therefore, it is essential to have an efficient telephone service that can resolve this type of management quickly and know for what services these authorizations are necessary.
8. What are the consequences of using these services frequently?
In some medical insurance premiums may increase from one year to another and one of the reasons may be the frequent use of health services that have been contracted.
For this reason, it is very important to be informed about this type of issues since it could be very expensive to renew our insurance.
9. Read the fine print
As always when a service is contracted, it is important to thoroughly review the clauses of the policy you have chosen.
It is important that you have clear the duration of the contract, the payment method, the cancellation deadlines and what you do with any way of contacting a customer service before signing.
10. Save whenever you can
It is important that there is a balance between the coverages and the price of your insurance.
However, whenever you talk about health it seems a little risky to talk about saving, so you can find other advantages when you hire your health insurance.
For example, if you live in Aragón, Baleares or Cantabria and meet a series of conditions, you can deduct between 5 and 15% of the premiums you have paid in your health insurance when making the tax declaration.
In addition to the price, you can also find insurance that will offer other benefits if you hire them.
For example, with the Travel Club Insurance Agency, when you buy your policy, you can add many points to transform into trips and gifts.
Specifically, if you contract your health insurance with Caser before January 31, you will add 7,500 points.