Although the Health insurances are quite popular, it is only those who enjoy them who are aware of all the advantages they entail. Proof of this is that, once health insurance has been taken out, more and more family members, motivated by the experience of a relative or friend, are encouraged to take out such insurance. In this way, the family grows much safer, always surrounded by good hands.
At Euroteide Insurance (Insurance Advisors), we want to be part of your family , and that is why we are going to present you with all the aspects you need to take into account before taking out a health insurance policy, so that you know everything you can get from it, let's begin.
How long is the grace period?
Taking out Health insurance means gaining quality of life. However, you have to take some aspects into account when contracting them.
First of all, one of the most important aspects is the grace period. By grace period we mean the time that has to elapse since we have signed the insurance policy, until we can use the services that it has, major or minor surgery, certain means of diagnosis, childbirth. This is obvious, otherwise many people would only take out private insurance when they have an emergency.
The grace period can vary depending on the situation. Normally, for high-tech and complex diagnostics, MRI scans, the grace period can be between 3 and 6 months and 10 months for childbirth, but this must be taken into account, as it is not the same to have a health insurance with a view to becoming pregnant as it is to be pregnant for a few months and expect the childbirth to be attended by the health insurance.
As always, the best thing to do in these cases is to try to be proactive and, of course, to have your back covered against any kind of mishap that could happen and to take out our Health Insurance, without having any pre-existing illnesses, so that when they start to arise, we have everything covered without any exclusions.
If we take out our Health insurance now, we will know that we will be in good hands for all that is to come.
Is our Insurance viable?
On the other hand, we have to consider whether we are going to be able to use the Insurance. This is because it is necessary to know the geographical coverage of the policy we are taking out. If, for example, we are a person who is constantly travelling abroad for work, it is likely that we are interested in a 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 taking out 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 does not mean that the insurer will not take out the insurance policy, but it is necessary to declare the pre-existing illnesses so that the insurer can calculate the price or what is called premium in the insurance world of our insurance policy and assess whether or not they accept to take out the insurance policy. On the other hand, it is obvious that if it is later discovered that there has been fraud, the insurance policy can be cancelled immediately for fraud.
How can health insurance benefit me?
If we are going to contract health insurance, it is important to know what coverage and guarantees it will have. Further, it is just as important to know what cannot be covered or to know the exclusions, for example: health care for having consumed alcohol or drugs, sports considered dangerous such as boxing, paragliding or scuba diving beyond a certain depth, i.e. knowing what the insurance does not cover under certain circumstances and situations.
Some Insurances will not cover for work accidents resulting from a risky activity, for this purpose an accident insurance for the self-employed is more advisable, or such as 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 begin with, we are going to stop being just another number in the social security system and become a person with a name and surname, which will allow us to receive much more personalised attention from the medical services and not be dependent on the now classic long waiting lists for treatment, especially when surgery is required.
Health insurance allows us to choose the hospital within the insurance company's medical chart,, if it is a policy that includes the coverage and guarantees of the benefits at 100%. the one we want within Spain and abroad when it is a policy with a medical chart and reimbursement. It is when we use the reimbursement that we can choose the medical centre and hospital that we want reimbursing according to companies, between 80 and 90 % of the invoiced amount depending on whether it has been in Spain or abroad.With certain limits we can choose the medical centre, clinic or hospital where we feel more at ease 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, at Euroteide Insurance (Insurance Brokers and Consultants) we have the most appropriate health insurance for you and your family. Take out one of the Insurances that we propose and discover how you can improve your standard of living.
There is a big difference between the services provided by the health insurance policy options that we are going to present and propose, and public health care, so we are sure that, from now on, you will stop being worried or uneasy, and start being confident when going to the doctor or hospital.
Contact us and discover how we can help you. We will always be at your side to help you with your quality of life and to solve any possible problems that may arise with the health insurance you have taken out through us with one of the best companies.