Best health insurance

Posted on January 15, 2014 by john in Health insurance

The growth of private health care is spectacular in recent years, in fact, their hospital beds and outweigh the public system. Best health insurance. Much of this is due to an increasingly wide range of health insurance, by the gradual deterioration of the public health caused by the leakage of budget cuts.

With this huge variety is more difficult to choose what is the most suitable product. We explain those keys to be analyzed at the time of hiring our policy.

Choose medical

A first key point is to know what our options are when choosing a doctor. Basically there are two. The most common is to have a “medical box ” by which we can choose as insured. Against this are the insurance reimbursement. In this case we can freely choose the doctor and the company returns a percentage of the bill. This percentage can reach from to cover all minor amounts (60 %, 70 %, 80 %). Depends heavily on the use or the characteristics of the beneficiaries of the policy (such as having children with more frequent reviews ). The first option tends to be more economic but of course with a loss of freedom.

There are mixed modes, in which in addition to provide its insured a medical staff can choose other with a partial reimbursement.

Additional covers

Are related to general medicine and dentistry or psychology that not all companies cover or do so in very limited services. In these cases we must also carefully analyze the components of the policy needs and, of course, coverage.

In the case of dentistry is common to offer basic services such as emergency, extractions or an annual cleaning and can make added services or discounts hiring a top policy.

A very important point coverages are abroad. If you travel a lot for business or pleasure is essential to have proper coverage outsid. In this case it is customary reimbursement of medical expenses, analyze our usual destinations and cost of health services to see whether they are suitable.

Grace periods

After an insurance companies offer grace periods during which there is no access to services such as surgery, childbirth or some expensive medical tests. This is so try to avoid ” picaresque ” to purchase health insurance just to cover surgery or expensive test that public health takes us much time.

But may also be the case that some policy need to hire these services to those who do not have access. Therefore seek minor deficiency periods to avoid unpleasant surprises.

Comprehensive coverage

Although all tend to have a national insurance full coverage, away from the big cities we find large differences, or have referral centers far from home. We must also consider such hospital coverage at all. See if the referral hospitals in emergency have adequate service, degree of saturation, quality.

For all these reasons, we analyze and compare the different deals between companies and those that seek price, service and quality are best suited to our needs. Best health insurance.