In a personal health insurance policy, we are looking for agility when it comes to arranging visits with specialists, medical tests and, fundamentally, diagnoses and solutions. Let’s see what the waiting period is and how we can avoid it in order to have full guarantees from the first day of our policy contract. In other words, what we know as a medical insurance with no waiting period.
What is non-qualifying health insurance?
A medical insurance with no waiting period is the one that allows you to have all the insurance coverage from the first day.
The waiting period in health insurance is the time that, after your policy comes into force, certain services of the policy cannot yet be used by new policyholders of the company.
Let’s see how many are the most common waiting months, which are around:
- 6 months for special means of diagnosis. Special treatment techniques. Outpatient surgery. Family planning. Psychotherapy.
- 8 months for surgical interventions, hospitalization and childbirth (except for vital emergencies or premature births).
However, these durations may vary among insurers.
Insurance companies, with this measure introduced many years ago, intended to prevent potential customers from taking out health insurance just to have a test or surgery, and then canceling the insurance again.
What is health insurance with no co-payment? Other than without deficiency
The term health insurance with no co-payment is often confused with the term no co-payment. A co-payment in health insurance means that the user has to pay a small amount of money each time he or she uses medical services. In a co-payment-free insurance policy, therefore, a single amount is paid, with no additional costs.
Non-qualifying periods in health insurance campaigns
Nowadays, almost all insurances incorporate some kind of grace period for certain interventions, although it is true that in some companies this is eliminated if the client has a similar health insurance. But today more than ever, we have almost quarterly commercial campaigns by insurance companies. What if discount on this policy, discount on that one, period with free guarantees?
In this context, we usually find promotional periods at the end of the year. One of these proposals may be to take out a health insurance policy, but eliminating these waiting periods. We must remember the main reasons for taking out a health insurance policy.
At our insurance brokerage, this is not the case. You can find, throughout the year, health insurance with no waiting period through our group policies, in which you will enjoy exclusive rates and, above all, full use of the policy from the first day you take it out.
What happens if I already have health insurance?
For people who are already insured under a health insurance policy, this does not apply, since by presenting the last receipt and copy of the policy, the new company will eliminate the waiting periods. These waiting periods occur when you take out the insurance for the first time.
That said, we must be very careful with people who are in the middle of any treatment or, most especially, in pregnant women. You cannot enter into a health insurance policy in these situations, as they will exclude you from coverage.
Don’t hesitate and contact us now to get the medical insurance with no waiting period that you are looking for.
