{"id":14375,"date":"2020-10-09T10:21:32","date_gmt":"2020-10-09T08:21:32","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=37595"},"modified":"2025-05-09T14:14:36","modified_gmt":"2025-05-09T12:14:36","slug":"health-insurance-times-covid-19","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/seguro-salud-tiempos-covid-19\/","title":{"rendered":"Health insurance in times of COVID-19: Prices and benefits"},"content":{"rendered":"

Are you considering hiring a health insurance<\/a> for you or your family? In Spain, although we have public health care, more than 10 million people have private insurance. In other words, slightly more than one in five people in our country choose to supplement their health care with health insurance.<\/strong>.<\/p>\n

What is the reason for this? Mainly, waiting lists and rapid access to specialities. With the arrival of the pandemic, these lists (already not at their best in most regions) have increased even more. So despite the general downturn in the insurance sector due to the confinement, interest in health insurance has increased in the midst of the pandemic<\/a>.<\/p>\n

The insurers explain this consolidation in health insurance (despite the crisis) by a growing awareness of the importance of health in the wake of the health emergency. That's right, interest in health insurance has come hand in hand with a democratisation of its prices.<\/strong>.<\/p>\n

As an insurance brokerage firm we are known for offering group insurances<\/a> The cost of accessing these policies with full coverage is reduced.<\/p><\/blockquote>\n

Here you can see the best Health Insurance options<\/a>. And, if you want to compare between the best options for yourself, here is the link to our health insurance comparator<\/a>, where you can see prices from up to 10 companies in less than 30 seconds.<\/p>\n

The price of health insurance: Cheaper than you thought?<\/h2>\n

How much does health insurance cost? The answer to this question can be very wide-ranging: everything will depend mainly on hedging.<\/strong><\/p>\n

As you will see, the most basic coverage also corresponds to the cheapest health insurance policies. Below, we detail the prices of each of these insurances. And if you want to know the differences in each policy, you'll find out in just 2 minutes in our video!<\/p>\n

Outpatient insurance price: from \u20ac16.20\/month<\/h3>\n

It is the basic and therefore the cheapest health insurance. It gives us access to specialists and diagnostic tests, but does not cover surgical interventions.<\/strong>. It is a good option for those who want to avoid the waiting lists of the Social Security when going to the family doctor or, mainly, to a specialist.<\/p>\n

Thanks to our advantages with the insurance companies, we offer you outpatient insurance from 16.20 euros per month.<\/p><\/blockquote>\n

One of the leading companies has launched a type of this insurance for 23.50 \u20ac\/month per family of up to 8 people (not per person, per family!). If you would like to find out more about the conditions and coverage, please contact us.<\/p>\n

Price of full insurance with co-payments: from \u20ac20.90\/month<\/h3>\n

This medical insurance allows access to specialists and diagnostic tests, hospitalisation cover or surgery (depending on the policy) from the company's medical list. When you take out a policy with co-payments you will have to bear a small part of the cost of medical expenses<\/strong>. The amount varies depending on the type of policy and the service concerned, and whether the co-payment is lower or higher. The higher the co-payment, the lower the cost of the health insurance premium.<\/p>\n

PIB Group Iberia offers this type of policy for just over 20 euros per month.<\/p><\/blockquote>\n

Price of full insurance without co-payments: from 35 \u20ac.<\/h3>\n

In this complete insurance you will also be able to go to the doctor of your choice within the network of specialists, but it differs from the previous one in that it does not include co-payments. In other words, it has a slightly higher fixed monthly fee, but it will be the only thing you pay. No extra bills every time you go to the surgery<\/strong> (unlike in the co-payment mode).<\/p>\n

We work with health insurances without co-payment from 35 euros per month in the best health companies.<\/p><\/blockquote>\n

Reimbursement insurance price: from 46 \u20ac.<\/h3>\n

Until now we have seen health insurance with a medical list, in which you can only choose the doctors who work with your company. In reimbursement insurance, the main difference is that, in addition to the doctors on the list, you can also choose the doctors who work with your company, you can choose any other practitioner<\/strong>. Companies usually offer a reimbursement of 80-90 % of the bill.<\/p>\n

Get reimbursement insurance with us from 46 euros per month.<\/p><\/blockquote>\n

Do you want to benefit from end-of-year campaigns with special discounts? <\/strong>We help you find the insurance that suits your needs and your budget, within the wide range of options and prices offered by the more than twenty companies with which we operate.<\/p>\n

Advantages of health insurance<\/h2>\n

Many Spaniards opt for insurance, despite the fact that our health system allows us to access free medical care. Mainly, these are the advantages that people look for in health insurance:<\/p>\n

Avoiding waiting lists<\/h3>\n

Long waiting lists for specialised care or surgery are the main stumbling blocks for many patients. Before the outbreak of the pandemic, the situation was not very promising. Now, according to Redacci\u00f3n M\u00e9dica, COVID-19 has doubled the waiting time for access to public health care.<\/a>.<\/p>\n

Physicians have had to focus much of their efforts on containing the pandemic, which has delayed the scheduled care activity of hospitals and health centres. In some cases, patients are having to wait twice as long for consultations or surgery.<\/p>\n

These delays do not seem likely to be reversed in the medium term: some Communities have already announced that they will due to the second wave of the pandemic, they will not be able to reduce the waiting list.<\/a>.<\/p>\n

Access to different specialists<\/h3>\n

One of the strengths of health insurance is that you have access to a wide range of specialists in your area, especially if you live in a city. In addition to choosing the one that suits you best, you can always change doctor if you are not satisfied, something more complicated in social security, where you are referred to a specialist according to your basic area of health.<\/p>\n

Would you like us to advise you and help you choose the best option for you? Contact us! Or, if you want to compare for yourself, take advantage of this and get a quote for your health insurance.<\/p>","protected":false},"excerpt":{"rendered":"

The coronavirus pandemic has increased interest in health insurance. Discover the benefits and prices - less than you think!<\/p>","protected":false},"author":14,"featured_media":14376,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":4.6,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[16],"tags":[173,174],"class_list":["post-14375","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","tag-seguro-medico","tag-seguro-salud"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/14375","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=14375"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/14375\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/14376"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=14375"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=14375"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=14375"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}