How to choose a health insurance? The flood of companies and offers available on the health insurance market is health insurance makes it necessary to analyse this issue in detail. As they say, “separating the wheat from the chaff”. Among these proposals, there are some that should be discarded because they do not fit what we need.
Choosing the right health insurance for each case requires prior analysis, and not to get carried away by the offers that bombard us. So in this post we are going to look at a series of guidelines that anyone who is going to take out a healthcare policy can follow.
4 Tips for choosing and taking out health insurance
1. Health insurance guarantees
The typology of health insurance is very extensive. We find policies that can cover:
- Specialist visits only → «outpatient» policies.
- With full coverage (including operations and hospitalisation), but only with a choice of company doctors.
- Reimbursement« policies, which allow you to choose any specialist.
If you want more information on the companies' proposals for each of these types, have a look at our health insurance ranking. So our first piece of advice is that rather than listening to the best promotions, it is better to find out what type of policy you are interested in, so that you can start deciding which company suits your needs in terms of service and price.
2. Grace period
The waiting period is the time in which certain policy guarantees, Despite the fact that it has been issued, it is still have not entered into force. There are two reasons for this:
- This is the first time we have taken out a medical policy.
- We have recently changed health insurance companies
It is important to be aware of the latter, as there is a very typical phrase that is often said when receiving offers: “as you already have insurance, waiting periods are eliminated”.”. CAUTION: all are usually removed, except for the birth certificate, which in most cases cannot be removed.
We we have group policies which eliminate waiting periods, even for clients who have never had health insurance before.
3. Policy with co-payments or without co-payments
We have already made a blog post, exclusively to talk about when it pays to have health insurance co-payments. It is very important to know whether our policy has co-payments or not, as our health care bill can go up considerably if we visit the doctor frequently and we are unaware that our policy has co-payments. So when you take out your health insurance, make sure you are clear about the question of co-payments. co-payments.
4. Reviewing the company's medical chart
It is becoming more and more common for specialists on medical lists to rotate more frequently. That is why it is important that, if we are interested in a particular doctor, we check whether he or she is in the company where we want to have our health insurance.
How to take out health insurance?
If you are already clear on these questions and are determined to choose your health insurance, you have two great options: Contact an insurance company or contact an insurance brokerage firm. If you choose the former, you will only be able to access the options of the insurance company However, if you choose a brokerage firm, your trusted agent will give you the best options from the dozens of companies they work with independently.
Health insurance with a brokerage, why?
It is common for Insurance brokers have group rates, which often offer advantages over individual policies:
- Periods no medical or health insurance gap
- Prices more economical
- Fewer rate hikes changes in the age bracket (if you contract individually with the company, if you use the policy a lot one year, they can give you a «raise»).
If you would like to enjoy the advantages of taking out your health insurance with PIB Group Iberia, Call us or write to us. From today, put yourself in good hands.
