Every day there is a more people with a health insurance contract. We are not going to assess whether this is a good thing or not, but what is certain is that despite the extensions of the medical list that health insurance companies may make, waiting lists are lengthening.
The health insurance sector in Spain
Today we will explain how to try to shorten deadlines and avoid being given an appointment for four weeks when you want to see a specialist.
Indeed, despite the crisis, which has also affected the volume of premiums in the insurance sector, the health insurance industry has not been adversely affected, but has been growing at a rate of around 1.81 P3PT per annum recently. In fact,
we are talking about a total number of insured persons in Spain is around 10.5 million. of people, including those who belong to the Mutualidades de: Muface, Isfas and Mugeju.
This growth is justified by the adjustments made to the public health system, which results in a long waiting lists, The main reasons for this are diagnostic tests and consultations with specialists, as well as for an intervention. Another reason is the concern of Spaniards for both their family and their health, according to several studies, which rate this at 9 out of 10.
Consequences of the increase in health insurance
But, what are the consequences of this increase in the number of insured persons? of specialist health insurance companies?
- The main one is that those who have not been able to channel this growth are faced with a increase in the waiting list. When one of their policyholders calls to see a specialist, they are given 4-6 weeks to visit the best doctors in the cadre. This is a disadvantage for the insured, since he pays a monthly fee precisely in order to be entitled to prompt assistance.
- At the same time, due to premium adjustments in the sector and high competition between companies, these companies also pay less to the specialist, and the specialist refers his patients who go through his private insurance to the end of his waiting list, and those who go privately give priority to him.
Let's look at ways to solve these problems.
How to avoid delays with health insurance?
Let's talk about three alternatives:
- The contracting a health insurance policy in the form of a “health insurance policy".“reimbursement”Unlike the usual medical insurance policy, this one does not limit you to the doctors contracted by the company, but you can go to the best specialist, pay the bill, and the company reimburses you between 80 and 90% of the amount advanced. With this policy, the specialists charge their usual fees (not those of the company) and give priority to these patients.
- If you go to see a new specialist you don't know, test among the top two or three doctors in the cadre, The differences in waiting lists are likely to be significant from one to the other.
- Having an insurance intermediary in your health insurance policy, with enough weight with the insurance company to be able to put pressure on the medical department and get the appointment brought forward when it is really urgent.
If you have ever found yourself in this situation and would like us to help you, contact us, and enjoy our health insurances with collective fares.
