Although the Health insurance They are quite popular, they are only those who enjoy them, those who are aware of all the advantages that these imply. Good proof of this is that, once contracted Health Insurance, more and more family members are motivated by the experience of the family member or friend, they are encouraged to take out such Insurance. In this way, the family grows much safer, always surrounded by good hands.
At Euroteide Seguros (Insurance Advisors), we want to be part of your family and that is why, we are going to present you all the considerations that you have to take into account before hiring a health care insurance, so you know everything you can get from it, we start.
How long is the grace period?
Hire a Health insurance is to gain in quality of life. However, you have to take some aspects into account when hiring them.
First of all, one of the most important aspects is the grace period. We understand grace period as the time that has to elapse since we have signed the insurance policy, until we can use the services it has, major or minor surgery, certain diagnostic means, delivery. This is somewhat obvious, since if not many people would only hire private insurance for when they have an emergency.
The grace period can vary depending on situations, it is normal that, for high-tech and complex diagnostic means, MRIs, the grace period can be between 3 and 6 months and 10 months for delivery, but it must be kept in It counts, since it is not the same to enjoy health insurance with a view to becoming pregnant to being pregnant for a few months and expecting the delivery to be attended by health insurance.
As always, the best thing in these cases is to try to be far-sighted and, of course, to have our backs covered before any type of setback that could happen to us and to do our Health Insurance, without having any pre-existing disease so that when they start to appear we have everything covered without any exclusion.
If we hire our Health insurance from nowWe will know that we will be in good hands for everything that is to come.
Is our Insurance viable?
On the other hand, we have to take into account if we are going to be able to use the Insurance. This is due to it is necessary to know the geographical coverage of the policy that we are hiring. If, for example, we are a person who is constantly traveling abroad for work, it is likely that we are interested in coverage with reimbursement of medical expenses abroad, different from that of a person who hardly leaves Spain.
Likewise, age is also another factor to consider, since, depending on the age, the price of the policy can be higher or lower. It is evident that a person of a certain age, say over 70, tends to visit hospitals more frequently and, therefore, medical expenses are higher. In this regard, it is understood that the price they must pay is somewhat higher, since they are in a higher risk situation.
Finally, before hiring a Health Insurance, we will have to fill out a health questionnaire or undergo a medical examination in order to know all the diseases or injuries that are available. Having a previous illness or injury will not make us the insurer not make us the Insurance, but it is necessary to declare the pre-existing diseases so that the insurer can calculate the price or what is called premium in the insurance world of our policy of Insurance or and assess whether or not they accept to make the Insurance. On the other hand, it is obvious that, if later it is discovered that there has been fraud, the Insurance can be canceled immediately due to fraud.
How can health insurance benefit me?
If we are going to contract health insurance, it is important to know what coverage and guarantees will have it. Further, it is just as important to know what cannot be covered or to know the exclusionsFor example: health care for having ingested alcohol or narcotic drugs, sports considered dangerous such as boxing, paragliding or diving more than a certain depth, that is, knowing what insurance does not include under certain circumstances and situations.
Some Insurance we are not going to be covered for work accidents that come from a risky activity, for this it is more recommended a freelance accident insurance, or damage caused by drugs or medications that we have ingested on our own.
Once we have the health insurance policy, we get remarkable and important advantages. To get started, let's stop being one more number in social security to be a person with a first and last name, which allows us a much more personalized attention from the medical services of this and not to depend on the already so classic long waiting lists both to be seen, to receive treatment, and especially when surgery is required.
Health insurance allows us to choose a hospital within the insurance company's medical staff, if it is a policy that includes the coverage and guarantees of benefits at 100%. the one that we want within Spain and abroad when it is a policy with medical chart and with reimbursement. It is when we use reimbursement that we can choose the medical center and hospital that we want to reimburse according to companies between 80 and 90% of the invoiced depending on whether it has been in Spain or abroadWith certain scales and limits we can choose the medical center, clinic or hospital that we want in which we find ourselves calmer or with a better disposition for our relatives.
In addition, it is possible to enjoy treatments for personal beautification whose prices are high in a prestigious center, at really low costs. Of course, having quality health care that guarantees specialized monitoring of our case, while providing us with all possible facilities.
If you are looking for health insurance that meets all this, in Euroteide Seguros (Insurance Brokers and Consultants) We have the most appropriate health insurance for you and yours. Hire one of the Insurances that we propose with us and discover how you can improve your standard of living.
There is a great difference between the services provided by the health insurance policy options that we are going to present and propose to you and public health so we are sure that, from now on, you are going to stop being worried or uneasy, and start to have confidence when going to the doctor or hospital.
Contact us and discover everything we can help youWe will always be by your side to help you in your quality of life and resolve any possible problem that may arise with the Health Insurance that you have made through us with some of the best companies.