Recently, we talked about the growth of health insurance in Spain, 20% of the population already have it. Today we want to talk about how this insurance can affect a self-employed person, and the reasons why they would consider taking it out.
Key features of health insurance
Health insurance should not be seen as an alternative to social security, but as a complement. We have always defended the reliability of the Spanish public health system, but it is true that the crisis and the cuts have made it less flexible.
These are the main reasons for taking out health insurance:
- Direct access to specialists, without having to go through the GP beforehand
- Speed of appointments, unlike in the public sector, where waiting lists are months long (especially in gynaecology, ophthalmology and traumatology).
- Rapid management in diagnostic testing: both in practice and in obtaining results
- Very good user ratings of private health care services
All this has led to the fact that they are already more than 11 million people insured in Spain.
How would a self-employed person benefit?
The self-employed, like almost everyone else these days, cannot waste time, is very valuable. That the need for speedy medical appointments and diagnostics is not available in public health care except for very serious issues.
When faced with any kind of problem, what we are looking for is speed in knowing the results and being able to find a solution to the problem. This is exactly what the self-employed, who are already overloaded with work and busy schedules, need.
Another benefit of being self-employed is that this insurance premium expense is deductible for personal income tax purposes., to 500 euros per person per year (including spouse and children under 25). In other words, a person who is taxed at a rate of 30%, and who pays around 2,000 euros in premiums for his or her family, would actually bear a cost of 1,400 euros.
If you would like to find out more and you are considering contracting these life insurance for the self-employed, please contact us. Enjoy our groups with special rates.
