Have you come this far and don’t know what type of insurance to choose? As a health insurance agent, we offer you the best health insurance with special conditions and advantages. We help you know how to choose health insurance and we explain and advise you on how the contracted health insurance works. Today we talk about the comparison of health insurance.
Types of health insurance Comparison between the different types
There are different types and modalities of health insurance that provide solutions to different needs. Knowing the types of health insurance can help you to choose the most suitable insurance for you.
Health Insurance Health Care
This type of policy provides the insured with healthcare services, i.e. access to private medicine, through a team of specialists and medical centers, diagnostic services, dental coverage, and many other coverages.
This is the largest health insurance offer. There are companies with more extensive medical teams and others with their hospitals. In our opinion, the choice of hospital and doctor should be considered a priority when choosing private insurance.
Health Insurance Reimbursement of Medical Expenses
PREMIUM
With this option, we can choose the hospitals and specialists we want to treat us worldwide. It is a method of reimbursement of medical, hospital, and extra-hospital expenses. That is, the insured person pays the amount of the invoice in advance and the insurance company subsequently reimburses it according to the contracted conditions.
Whether after hospitalization due to illness, childbirth, or accident, or after an ambulance transfer, surgery, or stays in the ICU or the ICU, we can also opt for a permanent telecare service and other additional services, as well as the possibility of extending the coverage limits.
Mixed
We particularly like this health policy because it combines two excellent policies. On the one hand, the Medical Expenses Reimbursement Policy will allow you to choose the specialist, and on the other hand, the healthcare part with a medical directory available nationwide. It includes all medical-surgical specialties and admissions to hospital centers.
Hospitalization and surgical intervention insurance
This option, usually contracted by self-employed workers but also by employees who receive a variable amount from their salary, is a more economical and more affordable option than disability insurance for self-employed workers.
This means that for every day that you have to be hospitalized, due to illness or accident, you are guaranteed payment of compensation. The daily compensation for hospitalization and/or childbirth includes other coverages such as compensation for surgical intervention and rest at home.
Family health insurance for individuals and self-employed workers
Let’s be clear: why do you need to take out medical health insurance?
Did you know that in 2022 cancer diagnoses fell by 20% because visits had to be cancelled? In private healthcare, visits are not canceled.
Do you know the waiting list for surgical interventions in your Autonomous Community?
You need to go to the doctor but they give you an appointment for 6 months from now, and in the meantime, you have to put up with the pain? Family health insurance covers medical and surgical expenses, with specialists and hospitals agreed upon by insurance companies in a medical team, without waiting lists, quickly and efficiently.
You decide the price since you can take out health insurance WITHOUT COPAYMENT or HEALTH INSURANCE WITH COPAYMENT or COPAYMENT IN ADVANCE
DIFFERENTIATING GUARANTEES
Choose a Pediatrician and Gynecologist: Our Medical Directory is extensive, but if your trusted pediatrician or gynecologist is not available, you can still visit him or her. We will reimburse you for the visit, according to the conditions indicated in the policy.
Obstetric and newborn care: We have medical insurance that covers pregnancy childbirth and newborn care. You must make sure that the other policies you are comparing include newborn care and how many days, or up to what amount. Take out a good family health insurance.
Dental Insurance: Enjoy COMPREHENSIVE DENTAL COVERAGE, with free services and others at deductible prices. This coverage in many other policies has an additional cost. Our health insurance includes comprehensive dental insurance.
Health insurance that covers work-related accidents, traffic accidents, and internal prostheses: When comparing health insurance, make sure that the health insurance covers work-related accidents, traffic accidents, and internal prostheses and under what conditions. This is very important, since some policies, unlike ours, do not cover it.
Private health insurance with preventive medicine. Cheap health insurance without copayments: Another differentiating factor of our policy is preventive medicine. Child health programs, early detection of gynecological, colorectal, or prostate cancer, coronary risk, and oral health, depending on the insured. Did you know that there is health insurance for newborns?
Health insurance for serious illnesses: A serious illness such as cancer can be treated if it is diagnosed quickly. That is why our health insurance offers special attention to serious illnesses.
- Preventive cancer medicine (Early diagnosis of prostate cancer)
- Cervical Cancer Prevention HPV, Breast Cancer Screening
- Early diagnosis of lung cancer, colon cancer, and stomach cancer (does not include study of hypothetical polyps that are removed)
- Also Early diagnosis of colorectal cancer (does not include study of hypothetical polyps that are removed)
- Prostate cancer prevention.
- Access to comprehensive and specific medical examinations at maximum agreed prices.
PERSONAL CARE Coverage. Health and Beauty: Take care of your body and mind and access cosmetic surgery and refractive surgery services not previously included in medical insurance at agreed prices.
Medical insurance that covers pregnancy and childbirth: Medical insurance that covers pregnancy and childbirth, highly diagnostic tests, and special treatments such as Stem Cell Conservation, Umbilical Cord Blood Conservation, and/or Umbilical Cord Blood and Tissue Conservation, with affiliated centers and franchised prices.
Which health insurance covers in vitro fertilization? Access assisted reproduction treatments at franchised prices. Once you have had your baby, you can consult our health insurance for children.
Other services free of charge
- Telephone medical advice 24 hours a day, 365 days a year.
- Psychological orientation
- Tele-call
- Second medical opinion
- Discounts and special benefits for being health insurance advisors
Collective health insurance for healthcare
How does group health insurance work?
It is a policy that covers a group of people with something in common: club members, company employees, members of an organization, parents of students, etc. In short, a group of people. The most common group insurance policies are group insurance policies for companies.
Collective health insurance for healthcare for its employees.
Group health insurance is contracted by the Company, Association, or Entity, and it is offered to its users at much more competitive prices, or free of charge as a flexible remuneration. How to choose group health insurance.
- Closed collectives (in which all employees are integrated)
- Open groups (free membership)
- Possibility of including family members
- With or without the participation of the insured in financing its cost.
One advantage of group health insurance is that you can get insured with a single policy at lower prices than with individual insurance.
There are different types of health insurance depending on the needs of the company. Collective health insurance is the most popular type of insurance, but you can also consider collective insurance for reimbursement of medical expenses. Remember deductible health insurance.