In a personal health insurance, The aim is to be agile in arranging visits with specialists, medical tests and, fundamentally, diagnoses and solutions. We are going to 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 without a waiting period.
What is a medical insurance without a waiting period?
A medical insurance without a 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 the company's new policyholders.
Let's see how many there are the most common months of grace period, which are located around:
- 6 months for special means of diagnosis. Special treatment techniques. outpatient surgery family planning Psychotherapy.
- 8 months for surgery, hospitalisation and childbirth (except for life-threatening emergencies and premature births)
However, these durations may vary between 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 cancelling the insurance again.
What is health insurance without co-payment? Different from no co-payment
The term health insurance with no co-payment is often confused with the term without co-payment. The 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 an insurance policy without co-payment, therefore, only one lump sum is paid, with no additional costs.
Non-qualifying periods in health insurance campaigns
Nowadays, almost all insurances include 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 at our disposal almost quarterly trade campaigns by the insurance companies. Discount on this policy, rebate on that policy, period with free warranties...
In this context, we usually find promotional periods at the end of the year. One of these proposals may be to take out health insurance, but eliminating these waiting periods. We must remember which are the main reasons for taking out health insurance.
At our insurance brokerage, this is not the case. You can find, all year round, health insurance without a waiting period through our group policies, in which you will benefit from 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 these waiting periods. These waiting periods occur when you take out the insurance for the first time..
That said, we must be very careful to care with people who are in the middle of treatment or, most especially, pregnant women. You cannot enter into health insurance in such situations, as you will be excluded from coverage.
Don't hesitate, and contact and with us to get the health insurance with no waiting period that you are looking for.
