Hiring a health insurance is very common nowadays. It helps you to speed up some diagnoses and tests, avoid waiting lists and have a variety of medical options. In short, to have more guarantees to take care of the most important thing you have, which is your health and well-being.
But when it comes to choosing which type of insurance may be more interesting for you, you may find yourself with doubts. PIB Group Iberia will help you to find out which types of health insurance and, in particular, today we will talk about the reimbursement health insurance.
Health insurance or reimbursement health insurance?
The cost of health insurance is not what it used to be. Nowadays it is more than normal to contract one, in fact in Spain there are more than 11 million people who have this guaranteed coverage.
In general, the reasons that lead us to contract this type of insurance are:
- Reducing long waiting lists
- To be able to go directly and quickly to the specialist.
We already know how important our health is, and when faced with a medical problem, shortening the timeframe translates into better results, every time.
A standard health insurance (outpatient, comprehensive, etc.) will offer you the usual coverage: facilitate visits to specialists and diagnostic tests, cover surgeries in some cases, etc. But with traditional health insurance, you will always have to choose a doctor from among those offered by the insurance company.
A reimbursement health insurance, on the other hand, allows you to choose doctors who do not belong to the company. In other words, you can choose the doctor of your choice. It is likely that you have a doctor of reference, that you have heard very good things about him/her and that you want him/her to be your health professional. With reimbursement insurance, you would not be limited to company doctors only.
It is true that, in common health insurance, the most famous doctors may have more waiting time than is ideal. This is precisely what will not happen with reimbursement health insurance, since you will have complete freedom to go to the one you want.
Other advantages of reimbursement insurance
In addition, this type of insurance offers you coverage anywhere in the world. Any unforeseen event that you may have outside your country would be covered by a reimbursement medical insurance. Of course, we never think that something could happen to us on a trip, but the peace of mind that this insurance can offer us is very great, especially if we travel outside the European Union.
But not only that, you can go to see an international specialist and get a reimbursement of the bill of between 80-90% of the amount.
The operation of this type of insurance is simple. You pay in advance at the consultation and then the insurance company refunds the amount paid.
This reimbursement and the particularities as to how, how much and when to do it, will be defined in the contracted policy. That is why it is important to know the details offered by each company, since some make the reimbursements through an app or from the web, and others, on the other hand, need the original invoice.
Is reimbursement health insurance right for me?
Of course. As we have pointed out above, the possibility of choosing a physician is a very interesting advantage.
If you are a person who wants to invest your money in quality medical assistance and with total guarantee, who also seeks to have the best doctors, this is the medical insurance you need.
At PIB Group Iberia we know that choosing health insurance is not easy. That is why we help you and inform you about the most suitable ones according to your needs. Because your health and that of your loved ones is your most precious asset, contact us and we will take care of your well-being with confidence.
