Health insurance – 10 tips to choose the best one

Today, many people decide to buy private health insurance. According to the “Private Health Barometer” of 2015, for 77% of people, the main reason is the agility in obtaining medical attention, but each health insurance is different, so before hiring, be sure to consider make some suggestions on this point.

Therefore, purchasing supplemental health insurance becomes critical to taking care of your health budget, especially as health behaviors with less reimbursement increase every year.

Tips to help you choose the right health insurance

Evaluate your current health coverage

If you already have health insurance, we recommend that you carefully review your current policy. If these items don’t suit you, don’t hesitate to switch health insurance!

Define your health spending needs

Each insured is unequal when it comes to health expenses. Depending on the age and health of the people covered by your contract, the needs can be extremely different. Glasses, dental problems, consultations with a specialist are all costs that require you to choose an appropriate coverage for your situation.

On the contrary, it does not make sense to opt for a contract with enhanced coverage if your situation does not justify it. The price of health insurance can vary from simple to triple depending on the guarantees subscribed.

Use a mutual health insurance comparer to find the right contract

A mutual comparator will allow you to define your needs in detail and thus offer you the market contracts that best suit you, in less than two minutes. Regardless of the insurance companies, the insurance comparator is directly connected with more than 50 associated insurers, in order to offer you the mutuals that best suit your expectations… and your budget.

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Pay attention to existing diseases

When you buy health insurance, the insurance company will most likely ask you to provide a questionnaire in which you must answer questions about your health. They will definitely ask you about the disease you have suffered or suffered from, possible allergies or surgical intervention.

In this way, the company will assess the risk of providing you with insurance, decide whether to do so, and use it as a reference to establish insurance premiums. Also, some insurance companies exclude chronic illnesses you may have from the policy. This means that even if you are promised that the treatment you received for the disease before purchasing the policy is not covered, you must treat it separately.

Beware of policy gaps

Before signing a health insurance contract, it is recommended that you understand certain medical benefits that have a grace period. This means that it takes a while from when the insurance policy is signed until you can use certain services. The most common are usually pregnancy, childbirth and postpartum.

Generally, from the date of signing the insurance contract, it should take 6 to 10 months (depending on the insurer) until the gynecological or hospital expenses caused by the pregnancy and delivery are covered.

Health insurance medical chart

If you are recommended as a specific doctor, or if you want to choose to go to a specific hospital, you should check the medical history of the insurance company before purchasing health insurance. In it, you can consult a doctor or center associated with a specific insurance company. If the person you are looking for is not included in your medical record, you will have to find another insurance company that includes that person, choose a reimbursement policy, or pay for the consultation separately.

Evaluate the guarantees and services offered in the policy

Each mutual or insurer offers specific services and guarantees within their contracts. It can be, for example, assistance in case of hospitalization (home help, childcare, taking care of a private room, etc.), the availability of generalized payment to third parties or even vaccination coverage.

Pay Attention to What Health Insurance Doesn’t Cover

Certain medical care such as alternative medicine, vaccinations, smoking cessation, osteopathy, or even a dietitian’s visit are not, or little, covered by Social Security.

Avoid insurance that requires a medical questionnaire

Some insurers require a medical questionnaire in order to offer you a personalized rate. Please note that depending on your health condition, your insurance premium can increase significantly if you are recognized as “at risk”.

Make your policy evolve according to your needs

Subscribing to supplemental health insurance doesn’t freeze your needs forever. You have every right to reduce or increase the warranties in your contract, when you feel the need to do so. If this is the case, feel free to play the competition to reduce your annual premium.

Insurer Reputation Doesn’t Always Mean Better Price

It is not necessarily the most famous insurance or mutual companies that offer the best quality / price / service ratio. Some lesser-known insurers may offer contracts with similar guarantees, with an average savings of 30%. Play the competition and do not give more importance than necessary to the notoriety of the insurer!

In the Internet age, it has also become easy to verify an insurer’s reputation and customer service. Consumer opinion sites abound on the web, and there is no doubt that policyholders have already evaluated the insurer with which they plan to purchase their new supplemental health insurance.

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The 10 best health insurance companies in Spain

Sanitas

Advantage: high market share, large number of medical personnel with their own centers and those of third parties.

Disadvantages: The price is not very competitive and the video consultation is not included by default. By default, this policy does not include any optional insurance coverage.

FIATC

Advantage: Very competitive prices in all age groups.

Disadvantages: The medical history is smaller than that of other companies, and the exclusions and limitations of certain prosthetics include basic dental insurance by default.

DKV

Advantage: Good health care policy, no out of pocket costs.

Disadvantages: non-competitive price, exclusion or restriction of prosthetics.

Adeslas

Advantage: high market share. There are no restrictions on internal prostheses. Covers traffic accidents. People of all ages can buy it.

Disadvantages: The company’s overall customer satisfaction is lower than that of other health insurance companies. It does not include insurance for accidents and occupational diseases. Dental insurance is not included by default.

AXA

Advantage: The company and its insurance agents are highly valued internationally and family policy prices are high in all market segments.

Disadvantages: Dental insurance is not included by default and some exclusions are not included in internal prosthetics.

Caser

Advantage: Good health insurance policy, no out of pocket costs and good development prospects for insurance companies. There are no out-of-pocket costs for internal prosthetics.

Disadvantages: low market share and small network of insurance agents. Co-pay in psychology.

MAPFRE

Advantage: solvent company, good health policy, no expenses for your pocket.

Disadvantages: Psychological copays, excluding certain prosthetics.

GENERALI

Advantage: a good health insurance policy, no copayment, and a good assessment of users’ overall satisfaction with the company. The policy includes IVF coverage.

Disadvantages: low market share, not the most competitive price in the industry. Dental insurance is not included by default. Exclusions and limitations of certain prostheses.

ASEFA

Advantage: Good health care policy, no out of pocket costs.

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Disadvantages: exclusion and limitation of prostheses, limitation of preventive inspection, basic dental coverage.

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