There is always a lot of debate between which healthcare is better or worse, private or public. Although we understand that this is something very personal and being aware that we can be proud of both, there are always data that allow us to provide more objectivity to certain doubts. We will see the opinion of the civil servants who have to choose between one or the other, in an exclusive way.
Civil servants, better social or private security?
Indeed, there are certain public officials who, unlike the vast majority of Spaniards, have to choose whether they prefer opt for private health care or for the public health care system of the Social Security.
These public employees make up what are known as Mutuals, and these are 3:
- MUGEJU: made up of the Judges
- ISFAS: Armed Forces workers
- MUFACE: composed of Civil Servants of the State.
These people, as we have said, must choose one type of health care or another. On the other hand, the rest of us must pay Social Security contributions (and, if we want to complement it, we subscribe to a separate health insurance policy).
Why do civil servants have private insurance?
As we pointed out at the beginning, it is not easy to be able to offer contrasted statistical data to compare the best service of one or the other. On many occasions medical insurance companies talk about waiting lists, freedom of choice of specialists, etc., but this does not allow the quality of the service provided to be assessed.
When we hear that 9 out of 10 people (according to UNESPA data) who, having to choose between one or the other, prefer private healthcare, it seems to us that this is a fact that cannot go unnoticed. This is evidence, as we were saying, of the greater speed of diagnosis, the convenience in the choice of specialists, of the facilities themselves and being able to choose the time at which to visit the consultation, either for ourselves or for our children. These are the main reasons for choosing private medicine.
Of course, for those skeptical of the quality of private hospitals, of all those who choose private healthcare, 1 in 5 has a serious or “high morbidity” illness. This is annually more than 6,000 euros in expenses.
Another fact to contribute, as we said a few months ago: the record in private healthcare spending has been broken, accounting for 30% of the total.
How much does health insurance for the self-employed cost?
The price of health insurance for the self-employed depends on the coverage we wish to subscribe to. If we only wish to have access to specialist consultation and diagnostic means, they are much cheaper than those that also cover hospitalization and surgical interventions.
In our case, without co-payments, we have policies that are for less than 40 euros per month with full guarantees. If you want to compare prices in different health insurance companies contact us, and enjoy our group prices, which are cheaper than those of individual contracting.
