At the end of each year, we find a lot of movement in both pension plans and health insurance. The reason for this is that campaigns are launched for the end of the financial year, and health care policies generally expire at the end of the year.
Main elements of health insurance
When you are thinking of taking out health insurance, you need to be very clear about the following POLICY POINTS:
- With or without co-payments
- Full coverage (including hospitalisation, surgeries...) or outpatient (only visits to specialists and diagnostic tests).
- Medical insurance or reimbursement
- The specialists and medical centres available in the company's medical directory
In doing so, we want to demonstrate that it is not only the euros per month we can save that matter with the alternative proposal that is being presented to us. Rather, what is most relevant is that all these points need to be reviewed to understand whether it is of interest to us or not, to find out the best health insurance that suits your needs. Not all advertising reflects all the reality behind it.
Requirements for switching health insurance
In addition, and fundamentally, we need to know that
the new company to which we are going to accede as insured will oblige us to fill in a questionnaire to subscribe to health insurance,
where we will be questioned point by point about our health status and in which it is important not to lie.
If you were healthy when you signed up for your current health insurance, but now you have been diagnosed with an illness or medical condition that requires regular check-ups or special attention, you should seriously consider whether or not to switch. You may find that the new insurer excludes medical care for the very thing that worries you most.
What to consider before changing health insurance?
This is not meant to discourage you from changing companies, because it is normal that if your company raises the premium you pay periodically by 15%, you will decide to do something about it.
What we want to advise is that change is sensible and be made when it is possible to do so. That is to say, not in circumstances that benefit you financially, but harm the benefits you are currently receiving. We have had clients leave and then come back because they had inadvertently had an exclusion put on their policy.
At the same time we recommend review the new company's medical chart, It is important to assess whether we are interested in the specialists offered by the new company.
A different case is that of the dental insurance, In these cases, it is not necessary to fill in any kind of questionnaire, so that, unlike health insurance, a change of company is possible without any major consequences.
So, if you have any doubts about the shortcomings of a health insurance policy, types of health insurance or medical directory by companies, contact us. We will assist you at all times. Consulting an independent professional is the best option.
