At the end of each year, we find a lot of movement in both pension plans and health insurance. health insurance. The reason for this is that campaigns are started for the end of the 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 a health insurance policy, you should be very clear about these policy points:
- With or without co-payments
- Complete coverage (including hospitalization, surgeries…) or outpatient (only visits to specialists and diagnostic tests).
- Medical staff or reimbursement
- Specialists and medical centers available in the company’s medical directory
With this, we want to show that it is not only the euros per month that we can save with the alternative proposal that is being presented to us that matter. Rather, the most important thing is that we must review all these points in order to understand if we are interested or not, to know the best health insurance that suits your needs. Not all advertising reflects all the reality behind it.
Requirements for the change of 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 the medical insurance,
where we will be asked point by point about our state of health 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 you are most concerned about.
What to evaluate before changing health insurance?
With this we do not want to discourage the change of company, because it is normal that if the company raises the premium you pay periodically by 15%, you decide to do something about it.
What we want to advise is that the change should be sensible and should be made when it is possible. That is, not in circumstances that benefit you financially, but harm the benefits you are currently receiving. We have had clients leave and then return because they inadvertently had an exclusion placed on their policy.
At the same time, we recommend reviewing the medical chart of the new company, because it is important to assess whether the specialists offered by the new company are of interest to us.
A different case is that of dental insurance, where 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.
Therefore, if you have any questions about the shortcomings of a health insurance policy, types of health insurance or medical directory by companies, please contact us. We will assist you at all times. Consulting an independent professional is the best option.
