Taking out health insurance is very common nowadays. It helps you to speed up certain 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 wellbeing.
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 there are, and 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 take out one, in fact in Spain there are more than 11 million people who have this guaranteed cover.
In general, the reasons that lead us to take out this type of insurance are:
- Reducing long waiting lists
- To be able to go directly and quickly to a specialist.
We know how important our health is, and when faced with a medical problem, shorter timeframes mean better results, every time.
A standard health insurance policy (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, it 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, with ordinary health insurance, the most renowned doctors may have more waiting time than is ideal. This is precisely what will not happen with reimbursement health insurance, as you will be free to go to the doctor of your choice.
Other advantages of reimbursement insurance
In addition, this type of insurance offers you coverage anywhere in the world. Any unforeseen event outside your home country would be covered by an insurance policy. reimbursement health 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 are travelling outside the European Union.
But not only that, you can go to an international specialist and get a refund of the bill of between 80-90% of the amount.
The way this type of insurance works 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, as some companies reimburse through an app or from the web, while others require the original invoice.
Is reimbursement health insurance right for me?
Of course. As mentioned above, the possibility of choosing a doctor is a very interesting advantage.
If you are a person who wants to invest your money in quality medical care with total guarantee, who also wants 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's 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 ensure your well-being with complete confidence.
