If you have come this far, it is because you want to know more about the different types of health insurance. We are increasingly concerned about our health, and this causes the demand for private insurance to increase.
Why have health insurance?
If you still do not have private health insurance and you are thinking of doing so, you may be wondering how to choose health insurance. Well, we understand that having private medical insurance is a guarantee that covers you and reassures you in the face of any care that requires immediate care.
In Spain, more and more people take out one of the types of health insurance; in fact, 1 in 5 people has private medical insurance. If you want to know more about what it is and how to choose health insurance, click on the following link to learn more.
Do you want an immediate consultation, fast attention, and being able to choose the doctor you want to see, among other things? Well then, they are reason enough for you to hire one of the types of health insurance.
What types of health insurance are there?
Next, we are going to indicate the differences between the different types of medical insurance that exist to expand the information you need to know. They can be classified into the following groups:
Medical insurance
This is the type of health insurance most demanded by people. It can be contracted individually or in a group.
The great advantage of this insurance is that the insured can choose both the doctor and the medical center where they want to go, as long as it is on the list provided by the insurer; that is, by paying the established fee, the insured can enjoy the services of your policy.
Expense reimbursement policies
Now we are going to talk about the types of NPI number health insurance that include two classes:
- The one that mixes the medical insurance and the reimbursement policy.
This type of insurance encompasses two types of insurance. It combines the insurance with which you have access to the insurance company’s medical chart (without involving additional expenses, without co-payments) together with the option of choice by the insured, with which you can have access to other doctors and hospitals that do not belong to the medical chart with a reimbursement system, offered by the insurer.
In the latter case, the person who has attended a consultation or has undergone a medical test has to pay it, and upon presentation of the documentation, they will reimburse the benefit up to the contracted capital.
indemnity insurance
These types of supplements to health insurance allow the insured to receive an amount of money agreed in the policy.
A specific circumstance that is related to their state of health. Extra help in the most delicate moments.
a daily compensation in case of hospitalization with additional advantages:
- An extra 50% compensation if the entry is made in a province other than the one of residence.
- A double compensation in case of stay in ICU or ICU.
- A convalescence aid of 50% during the five days after surgical hospitalization.
- In case of childbirth or cesarean section, daily compensation for up to 6 days.
dental insurance
The following insurance is one of the types of health insurance that can be contracted individually or within a policy that includes several medical services.
As we were saying, the rest of the treatments under a dental franchise system, if you want to enjoy them, the amount to pay is lower compared to those who do not have any insurance.
Aspects to take into account before hiring health insurance
Before contracting one of the types of health insurance mentioned above, you must read all the details well to know all the conditions that we are contracting. Next, we will indicate some aspects to take into account:
- The maximum amount that the insurer will pay the insured during one year for treatments carried out by professionals outside the medical chart is the type of reimbursement insurance.
- The stipulated waiting periods of a temporary nature before the use of certain services.
- Coverage such as fertility study or diagnosis, IUD insertion, etc.
- Always take into account the incorporation of new coverage and technological advances that incorporate the coverage of the different types of insurance.
Do you already know which is the insurance that best suits your needs?
You already know what the different types of health insurance are, and we hope we have clarified your doubts. In any case, if you need any clarification regarding the types of existing medical insurance.
Now that you have all the information in your hand, do not put your health at risk, and trust us.
