Health insurance is a fundamental resource to have private medical coverage, if necessary. According to data from the Organization of Consumers and Users (OCU), approximately 12.5 million Spaniards have health insuranceprivate that provides quality health services. In Spain, there is a wide variety of companies and offers to choose from. Health insurance most appropriate, depending on the needs of each client. However, among so many proposals, it is very easy for clients to have doubts about the policies they should take out.
In this Psychology-Online article you will learn about theKey aspects and requirements to contract the best health insurance for you.
Choosing health insurance requires a prior analysis of the needs and circumstances of each person.. Therefore, it is important to know how to take out health insurance to make the right decision. Below are 5 key aspects that you should consider to choose the best health insurance:
1. Analyze the insurance premium
The premium is the amount of money the user pays monthly to have a variety of insurance coverage and services. Insurance companies have different prices that depend on some characteristics of the insured, such as age and the number of people who will be insured with the same policy.
2. Compare discounts and special offers
Many insurance companies offer discounts and special offers to new customers.. These temporary benefits usually last one year, although they are subject to the condition that the client does not change companies. Sometimes this can be a great option, but this is not always the case. It is essential to read the contract, conditions and services of the company carefully to analyze whether the discounts and offers represent significant savings.
3. Identify the concepts excluded in the insurance
In Spain, many insurance companies exclude a variety of concepts from the insurance policy, such as health problems caused by alcohol or drug consumption. In some cases, serious medical consequences caused by pandemics such as COVID-19 are also excluded. The best option is to find a company that does not exclude these concepts.
4. Permanence or renewal
Policies with annual permanence offer the client the option of renewing the contract each year, without following a new contracting process. On the other hand, if the health insurance does not require permanence, the client must follow a series of steps to change companies or cancel the policy.
It is advisable to choose a company with annual policies, since the client can stay with the company if he identifies the efficiency and quality of the insurance for a year, or change if it does not suit him.
5. Insurance comparator
To choose health insurance with policies suitable for the insured at competitive prices, an insurance comparator should be used. This resource provides information, prices, policies and policies from different insurance companies, allowing you to compare them to choose the best option.
Taking out health insurance is subject to certain requirements. The main requirements to contract a health policy are the following:
- Be of age.
- Residing in Spain.
- Fill out a health questionnaire.
MinorsThey cannot take out health insurance on their own. They can only be insured if a legal representative of legal age includes it in the insurance policy.
The health questionnaire is a series of questions about the current state of health of the potential insured. The insurance company will use this information to assess whether to provide you with the policy or not., depending on the risk and age of the user.
Can pregnant women take out health insurance?
Yeah. Many insurers have coverage for pregnant women, although it is common for them to apply a waiting period of several weeks or months. Therefore, it is likely that childbirth will not be covered by the policy.
Can people with any illness take out health insurance?
It depends on the policy. People who suffer from an illness or disability must inform the insurer about their medical situation. In most policies, illnesses previously diagnosed by a specialist are not covered. However, if the symptoms go unnoticed or the disease has not been identified, the policy must cover the possible illness.
Is there a maximum age to take out health insurance?
The average maximum age that many insurers allow is 64 years, but there are insurers that offer policies for people over that age. To take out a policy after this age, It is important to compare prices to choose a health policy that suits your pocket.
Not all insurers offer psychological coverage. Generally, health insurance that includes this policy usually has a limited number of sessions, between 10 and 20 per year per insured. In addition, they have the possibility of choosing the specialist. This coverage is ideal for effectively treating mental and emotional health.
This article is merely informative, at Psychology-Online we do not have the power to make a diagnosis or recommend a treatment. We invite you to go to a psychologist to treat your particular case.
