How to choose health insurance?

In times of austerity it is normal to want to make cuts to stretch the money that comes into the house more, but it is better to consider making them in other areas such as electricity bills or consumption in general. Don’t expose yourself to a health policy that doesn’t cover your needs or that includes services you don’t need. Doing some preliminary research and comparing the modalities that exist until you find one that fits your needs is the best way to make the right decision.

Make sure the insurer has experience and a good reputation

When contracting health insurance with an insurance company and placing your medical care in their hands, it is important to check that this company has a good reputation , years of experience in this field and, above all, that the quality- price is fair based on the services offered by your policy. It is also important that the insurance company has good communication channels with its policyholders : toll-free numbers, chats that solve general questions at any time of the day and immediacy when answering emails. This is particularly important when it comes to health insurance.

Look at the coverages it offers and its exclusions

The second aspect to consider before taking out an insurance policy is the coverage and its limits . Health insurance typically includes general medicine, nursing and some oral treatments, but not all have the same coverage or limits.

Find out if you have care for pre-existing diseases

One of the requirements to take out health insurance is to complete a questionnaire answering questions related to our state of health, including specifying whether we suffer from pre-existing diseases at the time of taking out the health policy. These questions help the insurance company to assess the financial risks involved in accepting you as an insured and establish the amount of the insurance premium.

Don’t forget the grace periods

The grace periods are those periods of time during which you cannot enjoy the contracted services. This usually applies to medical specialties, although there are also insurers that include hospital admission or certain diagnostic tests in these periods of absence. The time usually oscillates between 6-8 months , although you should check carefully what is indicated in your contract, as there may be other different times.

Analyze whether you are interested in the modality with or without co-payments

Another element that you should take into account when choosing health insurance is to know whether you may be more interested in contracting the modality with co-payments or without co-payments. If you opt for the first alternative, every time you use one of the services you have contracted you will have to pay a fee that may be higher or lower depending on the service and the premium you are paying (the cheaper it is, the higher it will be the co-payment) . In the event that you decide to contract the modality without co-payment, the premium will be more expensive, but the advantage will be that you will be able to enjoy the services of your health insurance without worrying about paying anything more each time you use them. This can be interesting if you need to go to the doctor a lot and not just occasionally, in the case that you have a chronic pathology, for example. If you have any further questions about how to choose health insurance, do not hesitate to contact our advisers . They will inform you of all the aspects you need to know before taking out this policy so that you can also choose the one that best suits you.