HEALTH INSURANCE GUIDE

In a country like Spain, where public health is essential to have a health insurance . Still, when what is sought is to have medical specialists without having to wait long periods for a consultation or counseling, among other things, the hiring of health insurance is the best option .

Before you purchase health insurance, also known as health insurance , determine what type of insurance is being sought.
The health insurance arrangements that currently exist in the market are the following:

• Medical Staff: The insured can choose which doctor or clinic visit within the agreements of the entity.
• Reimbursement of expenses: The insured can go to the doctor you want (in the country or around the world) and the insurer reimburses a percentage of the bill was paid (between 80 and 100%).
• Mixed: The insured may want to go to the doctor and the Company reimburses a percentage of the invoice. You can also choose doctors or clinics Medical Network without paying.
• Captain: The insured can go to a single doctor by specialty.

Once you've chosen the type of health insurance , it is best to compare prices among the various entities, assessing not only the price but also the relationship covers money and experience in the insurance sector.


What is covered by insurance?
Depending on the institution, the coverage often vary, but broadly speaking, health insurance cover:
- Consultation with specialists (gynecologists, endocrinologists, dermatologists, etc..) and general practitioners.
- Medical Tests : analysis, x-rays, etc.. (Not all are usually included. There are certain specific tests to be paid separately.)
- Dental Insurance basics: cleaning and extractions.


What function of what determines the price of health insurance premiums?
The health insurance fees may vary depending on age, gender and habits of the customer. In general, females pay more than the male and the years also make the fee increase.


Are they obligated companies to insure everyone?
No. The insurance is optional and as a person can choose whether to hire or not, the insurer reserves the right not to insure people who consider.


Is there a disease that does not cover the insurance?
Across the board, without exception, are not diseases including pre-employment and pre-existing or congenital deformities resulting from accidents, and there will be compulsory to declare from the outset .

Please note ...
- It is important to ensure that our policy guarantees global assistance in an emergency.
- The medical staff must be comprehensive and quality.
- Ensure that the company should not penalize repeated use of the assistance. - The grace period, if shorter, the better. There are insurers that the policy must pay for one or two years, but you can not use much of their services.


source: segurosmagazine


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