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5 things you should know before you buy dental insurance

There are two ways to purchase dental insurance. © iStock

Are you worried about your oral health? Do you think that Social Security does not give you the coverage you need? Do not worry! You can subscribe to private dental insurance and thus enjoy its additional guarantees. Do you think this is a good idea? Find out about the five things you should know before hiring policy of this type.

The teeth (and the mouth in general) are a very important part of our body. For this reason, brushing daily, avoiding the consumption of products that can stain them, and maintaining good oral health represents one of the first care that we must carry out.

But what happens when an unforeseen event arises and we cannot get the medical care we want?

Toothache, gum infection, orthodontic treatment … no one is free from having to go to a dental emergency or make more than one appointment to perform the necessary care.

In this sense, hiring specialized insurance in this type of care can be very opportune, especially at times when the National Health Plan does not provide the coverage that we might need.

However, before signing dental insurance it is necessary that you take into account some important points.

Let’s explore together the five things you need to know when signing up for additional coverage for your mouth.

What oral coverage does the public health system offer?

Currently, Social Security covers basic dental needs. This means that Spaniards can have free access to primary care that will cover only some treatments for acute processes and certain information and education services.

Among the coverage offered by the State are mainly the treatment for wounds, injuries, infections, and inflammations.

In turn, pregnant women and children can access preventive examinations and specific treatments.

Despite this, there is a fairly extensive list of treatments that are not covered by the National Health Plan.

What is private dental insurance?

As you must already imagine, private dental insurance is a product that you can contract through an insurer, and that gives you access to different dental services in a cheaper way.

How does dental insurance work?

The operation of dental insurance is relatively simple. Once you have chosen the best oral coverage according to your needs and pay the demanded premium, you will be able to access all the treatments and services that appear in your new policy.

In this way, when you want to make use of it, it will be enough to deliver a budget of the treatment you want to perform to your company so that the discount or refund can be made.

It is important that you know that certain insurers will only cancel dental treatment if they have approved the estimate in advance.

How can you buy dental insurance?

If you want to take out dental insurance you have two possibilities:

Through your health insurance

Most medical plans include dental coverage. Therefore, if you subscribe to medical policy, you can check what coverage it includes for dental treatments and see if it suits you.

It is important that you know that the dental coverage included in medical insurance is limited. In general, the basic plans that medical policies include are: consultations and emergencies, as well as one oral cleaning per year.

In this case, you will only have to pay a monthly premium that includes both medical coverage and oral coverage.

Through independent dental insurance

You can also purchase independent dental insurance that only offers coverage in this area.

For this, you will have to analyze which coverage is adapted to your needs and pay an additional premium for your medical insurance.

What type of coverage does a dental insurance offer?

When hiring dental insurance you can choose between different types of coverage according to your own needs. Among them are:

Basic dental coverage

When purchasing insurance for your teeth, most companies offer a foundation package, which includes a number of free services.

Each insurer handles different packages of products with zero cost, however, among which are usually included:

  • Dental consultations and check-ups
  • Dental emergencies
  • Budgets and diagnostics
  • Oral cleanings (will be limited to one or two per year)
  • X-rays
  • Simple interventions

Additional coverage

If you want specialized coverage or to be reimbursed for part or all of complex and specific treatments, you can use a type of insurance with additional coverage.

Undoubtedly, the premium that you will pay monthly will be based on the supplementary coverage you wish to hire.

Don’t forget that even if you hire additional coverage, at the time of dental treatment you will have to finance part of the cost.

Additional services include:

  • Orthodontic treatments
  • Conservative dentistry treatments
  • Implant treatments
  • Periodontic treatments
  • Surgeries

Choose and compare

Don’t forget that when choosing the best health insurance or the best dental insurance for you and your family, the first thing you should do is compare the offers.

Find out about everything the market is proposing and review the details of each policy.

8 tips for choosing the best health insurance

It is important for you to know that basic health insurance gives you access to various medical services. © iStock

Do you think you need additional coverage for medical eventuality? Are you thinking of taking out health insurance? Do you know how to choose the policy that best suits your needs? Follow this guide and find out how they differ from each other and what you should take into account when making your decision.

Without a doubt, being protected against an accident, illness or any other medical unforeseen is a priority in the life of any person.

However, and although the National Health System is used by more than 100 million Americans, the coverage provided by the State is not enough for many families who expect more and better quality care.

Given this, many have found the solution to private health insurance. Fewer waiting lists, the possibility of choosing the care center and professionals, speed of services, cutting-edge technology … the list of benefits of medical coverage goes on and on.

But, given the great offer in the market and the great variety in prices and types of insurance, how do you know which one to choose?

Outpatient insurance policy, with copayment, with reimbursement or with medical charts. Do you need help choosing the health insurance that best suits your needs? Pay attention, because here are eight tips to make the right decision.

Analyze your needs

The first step when choosing the best health insurance is to analyze your needs and those of your family group.

For this, it is important that you consider a series of factors that are decisive when calculating the price of a policy and its degree of coverage. Among them are:

  • Age of each of the insurance beneficiaries
  • Sex
  • Health status of family members
  • Life habits

It is important that you know your situation and that of the people who will appear in the insurance because this will make it much easier for you to choose the appropriate coverage.

It is important that you know that basic health insurance gives you access to various medical services such as general medicine, childcare, nursing, rehabilitation, family planning, oral treatments, or preventive medicine, among others.

However, subscribing more or less complete insurance will depend exclusively on your health needs.

Today, the market offers special, such coverages as optical insurance, dental insurance, health insurance for women, or other additional guarantees.

Choose the best insurance company

Choosing the best health insurer is another important point to keep in mind before hiring health insurance.

It is necessary that you put yourself in the background of the different companies that operate in your place of residence and that you analyze how reliable they can be.

What is your experience? What doctors are you working with? Do you have international coverage? Do you know someone who already has medical insurance with that company? … all the information can be useful when choosing.

Find out about existing coverage

Do you already know your needs and those of your family? Then it will be necessary to know the types of coverage available at the time of contracting health insurance.

Currently, each insurance company has a wide range of possibilities and they will vary according to your own requirements.

Let’s review the coverage you can have access to:

  • General medicine
  • Medical specialties
  • Nursing
  • Rehabilitation
  • Family planning
  • Dental treatments
  • Preventive medicine
  • Pediatrics
  • Diagnostic tests
  • Ambulatory surgical interventions
  • Hospital interventions
  • Emergency service
  • Chiropody
  • Ophthalmological care, etc.

Do not forget that it is you who decides the insurance coverage and the guarantees that it will include.

Think about the type of medical insurance you want to contract

Regardless of the type of coverage you want to contract for your medical insurance, it is important that you think about what type of modality you want to subscribe to, as this decision will have a direct impact on the premium that you will have to pay for your private medical coverage.

The modalities you can access are the following:

Medical chart insurance

With this type of insurance, you will be able to access the list of professionals and clinics associated with your company.

In this case, you can go to a medical consultation as many times as you want and, depending on the chosen formula, without any type of surcharge.

The medical chart modality is perfect for those who do not have a lifelong treating physician or for those who need to consult various specialists.

However, if your GP is not on your insurer’s list and you don’t want to change your professional, it is best to opt for another type of modality.

With or without copays

Insurance with or without copayment is an option that you can choose when subscribing to a medical chart policy.

Medical insurance with copayment: both the insurer and the insured pay a part of the medical fees or services. This option is ideal for those who do not usually go to the doctor regularly.

Medical insurance without copayment: the insurer assumes all health expenses. This option is ideal for those who need continuous care and who regularly attend the doctor.

Refund insurance

Unlike medical insurance, with this type of modality, you can go to the doctor or clinic you want without the need for it to be on the list of professionals of the insurer.

However, you must assume a part of the cost of the care which, depending on the company; is usually between 70 and 100%.

Mixed insurance

Mixed insurance is the modality that brings together medical insurance and reimbursement insurance in the same policy.

In this way, you can go to both the doctors who are part of your insurer’s list and the professionals of your choice.

Find out about all the exclusions

It is important for you to know that health insurers have the power to reject a potential client if they consider them as unprofitable.

Among the best-known exclusions that companies set are:

  • Physical disabilities caused by attacks, wars or epidemics
  • Sports injuries
  • Detoxification treatments for addictions (drugs, tobacco, alcohol, etc.)
  • Plastic surgery
  • Dialysis
  • HIV treatments
  • Transplants
  • Studies of the genetic map, etc.

For this reason, it is very important that you declare any type of illness or deficiency (physical or mental) to your insurer.

Otherwise, your coverage could be canceled for not having declared your situation and lied about your health.

Find out about the waiting periods set by your insurer

The grace period is the time that elapses between signing up for insurance and the day you can start using your coverage.

And although all insurers have similar terms regarding grace periods, you need to be clear about them before signing your insurance.

Among the usual deficiencies, the periods are the following:

  • Surgical interventions or hospitalizations = 6 months
  • Delivery = between 8 and 10 months
  • Assisted reproduction treatments = about 24 months
  • Complex diagnostic tests or clinical tests = between 3 and 6 months

Look at the complementary services

One point that you should not miss before deciding on your health insurance is to ask about the complementary services that will be associated with your policy.

Many times, insurers include complementary services in their health insurance that you have not requested but that will automatically increase your annual premium.

Compare the offers

Finally, it is very important that you compare the offers that the market offers. Read the fine print of contracts, quote, evaluate prices … anything goes when making the best choice.

Today, there are different sites specialized in the comparison of health insurance, do not hesitate to use them.

5 tips to save when buying health insurance

Reviewing the terms of the contract is one of the most important points when saving on health insurance. © Freepik

If you are thinking about taking out health insurance but you don’t know how to choose the most suitable one for your needs without paying more, don’t worry! In this guide, you will find five tips that will help you save money when deciding on a policy.

There are many reasons to buy health insurance. Indeed, having private medical coverage for you and your family can represent a great financial relief in the event of having to face a problem of this type or in case of needing specific treatment.

In this sense, hiring a policy that meets the needs of your family group can be quite an arduous task, especially when you want to have the best guarantees without paying more.

Today, companies offer a wide variety of insurance, ranging from the most basic to the most comprehensive.

However, for the same type of coverage, prices can vary significantly.

Given this, it is important to be able to compare all the available policies very well and follow some tips to save at the time of the election.

Let’s review some of the most important:

Hire at the beginning of the year

If you want to take out the best health insurance for your family or if you already have one but want to change companies, we advise you to pay close attention to the time of year in which you are.

A good part of the companies offer important promotions at the beginning of the year, so waiting a few more months before deciding on one policy or another could save you a few euros.

Compare and compare again

Given the large number of insurers that currently exist within the market and the wide range of offers they propose, it is important that before choosing between one policy or another, you compare each contract very well.

The first thing to do is to compare the different companies and analyze which one is the best suited to your needs and the one that offers you the greatest security and confidence.

Then, we advise you to compare all the offers offered by the insurers you have chosen. Do not forget that the price is not the only thing you should take into account.

In order to make a good choice, it is necessary that you know your needs and those of your family group, as well as the budget that you have destined to invest in health insurance.

To compare, there are different ways to do it. One of them is to resort to the comparator that this website offers you, which gives you access to the best offers in a quick and simple way.

Look at the characteristics and conditions of the contract

A very important point when it comes to economizing on your health insurance is to analyze in detail the different insurance coverage that you have previously selected.

Don’t forget that even if the two policies seem similar, the contract can include very different services.

Given this, we give you some of the points that can make a significant difference in price within your health insurance contracts.

Hand and health
One of the ways to save when purchasing health insurance is to opt for an annual payment. 
© Pixabay

Payment Methods

Some insurers offer different forms of payment when hiring a policy.

In this case, and to achieve savings of up to 10% per year in the cost of insurance, we advise you to opt for an annual payment.

Monthly payments generally lead to an increase in the total cost of the insurance, so if you can make the payment annually, this could be a good way to save money.

Medical chart

Each company works with its own medical charts, so it is important to review the list of professionals and analyze if there are any you trust.

Remember that choosing a policy with a medical chart can considerably lower the cost of your insurance.

On the contrary, subscribing to an expense reimbursement coverage, where you can freely choose the doctor you want to go to, will automatically increase the value of it.

Copay

The copayment is another good way to save on your health insurance. This consists in that every time you go to a consultation or need a treatment, you pay small participation for it.

Generally, the co-payment rates are between three and ten dollars, however, the price of the policy is considerably cheaper than coverage that does not have this option.

The copayment is a recommended alternative for those who do not go to the doctor regularly or need permanent treatment.

Grace period

Pay attention to the waiting periods, because if your policy has very long periods, you will not be able to use the coverage until it ends and, therefore, you will have to assume all the medical costs that arise.

Special coverage

If a member of your family needs a special type of coverage, it is good that you know that some insurers offer the type of service and guarantees that you need.

Dental insurance, insurance optical, hearing aids … the range of possibilities is wide.

Take out family health insurance

If you plan to subscribe to health insurance for each member of your family, the best alternative to save will be to opt for family coverage.

Most of the companies have this kind of offer and at prices that are much more attractive than that of individual coverage.

Family coverage usually includes medical charts with the most requested specialists, such as: pediatricians, gynecologists and emergency physicians.

Group your insurance

Many of the largest insurers in the country not only offer medical policies, but also car, life, or home coverage.

Given this, and if you already have insurance with a company, we recommend that you contact them and evaluate the possible benefits of establishing a relationship with them.

Generally, if you have two or more products from the same insurer, the prices of each policy will be lower.

Health insurance for women: the current situation

the European Union prohibited differences in the cost of health insurance between men and women. © Freepik

Although the European Union prohibited in 2012 to establish differences in terms of the amount of health insurance for men and women, coverage especially aimed at the female segment continues to have a strong demand within the market. Let’s review the most important points.

Although we should all enjoy the same opportunities in terms of medical access, the truth is that men and women do not have the same needs or face the same health problems throughout their lives.

The insurance companies were aware of this situation and, as it happened for up to five years, they offered policies specially designed for women, including all the necessary coverage throughout their lives.

However, the situation changed in 2012 when the European Union prohibited differences in the cost of health insurance between men and women.

What is the current situation? How have insurers reacted to this problem? What are the special coverage for women? Let’s review the various points.

EU regulations against differentiation by sex of the prices applied in Health insurance

© iStock

With the clear objective of achieving equal treatment between men and women, the European Court of Justice in 2012 prohibited insurance companies from differentiating men from women to set the amounts of health insurance and other types of policies.

“Gender equality is a fundamental right in the European Union and the Court of Justice has made it clear that this right also applies to the fixing of insurance prices (…) The insurance sector has had more than a year to prepare for the change to unisex pricing policies and during this period the European Commission has helped the sector to adapt. The Commission will monitor the implementation of these new rules. ‘ (EU Commissioner for Justice)

In this way, this practice, which to date was widely used by different insurance companies, constitutes an illegal act, and violates the orders and mandates of the EU.

The reality

Following the implementation of the European Union regulations that prohibit adjusting insurance prices based on the sex of the client, the different insurers in the country have not been indifferent and have reacted by offering policies that include coverage specially adapted to the needs of the woman.

Coverages designed for women

Although there is no special health insurance for women, many companies offer coverage focused mainly on maternity and the prevention of certain types of cancer that affect women.

Among the guarantees that you can find among the different insurers and that are related to maternity are:

  • Pregnancy monitoring
  • Delivery care
  • Assisted Reproductive Treatments
  • Preparation for delivery
  • Postpartum care
  • Conservation of stem cells from the baby’s umbilical cord
  • Family planning
  • Infertility diagnosis
  • Tubal ligation
  • IUD implantation
  • Port-delivery aesthetic services

It is important to remember that the vast majority of insurers that offer special coverage for women include pregnancy monitoring and delivery care. The rest of the guarantees included will vary from company to company.

At the same time, the coverages that are related to the prevention of certain types of cancer are:

  • Annual Prevention Review for Breast Cancer
  • Annual Prevention Review for Cervical Cancer
  • Annual Prevention Review for Endometrial Cancer
  • Consultations for gynecological ailments

Tips when hiring health insurance aimed at women

If you are thinking of hiring the best health policy that includes guarantees specially designed for women, we suggest that you take notes of these important tips:

  1. Consultation for waiting periods: generally, the coverage for assistance at childbirth includes waiting periods of 8 months. And, in the case of assisted reproduction, these periods can go up to 24 months.
  2.  Try to purchase a product without a copayment.
  3. Find out about medical equipment.
  4. Compare between the different options proposed by the market.
  5. Do not trust the cheapest policies.
  6. Do not forget to read the contract and, above all, the special conditions.

Problems with your health insurance? Learn how to claim

Faced with a conflict with your health insurance, the first thing you should do is try to solve the problems directly with the company. © Pixabay

Have you taken out health insurance and have problems with the company already started? Do not worry! If you want to file a claim, in this guide we explain all the steps to follow so that the process does not become a nightmare.

Over the years, there are many reasons that can generate conflict with your insurance company and your health policy.

In fact, saving by hiring your health insurance or finding the best company does not guarantee that you will not have problems throughout the duration of your policy.

The non – payment of compensation, sudden changes in the contract, undue charges … the list of problems that are usually generated with health insurers are endless.

In this sense, it is best to file a claim with your company. But, how to carry out this procedure? What are the steps to follow to avoid making mistakes and for your application to be effective?

Let’s review each stage of the process in detail:

Define the reason for your claim

Before submitting any type of claim to your health insurer, you need to be clear about the reasons why you want to carry out this procedure.

It is important that you can determine the main existing problem and whether or not it comes from a failure on the part of the company.

On some occasions, complaints are unleashed after poor attention by the health professions or medical center officials and, in light of this, the claims should not be directed to your insurer.

Now, if you have more than one complaint, you should sort them by importance. When you file the claim, it will be easier for you to explain the problem.

Review the conditions of your contract

The second step before filing a claim is to check the terms and conditions of your health insurance contract.

In a large percentage of cases, the claims are due to a misunderstanding of the contract by the client or misinformation of what is stipulated at the beginning of the policy.

If you realize that, in effect, the company is not incurring any type of failure because everything is contemplated in the document, you will be able to analyze the possibility of changing your insurance or modifying its conditions.

Submit your claim to your company’s SAC

angry person
The last instance of claim in the judicial way. 
© Pixabay

If you are sure that the problems with your health insurer are due to a failure, a breach of contract, or poor management, the first thing you should do is file a claim with the company’s Customer Service (SAC).

For this, you should contact your insurer and inform them of your decision to file a claim. They will explain the different ways available to carry out this management.

It is important that you know that your insurer has the obligation to resolve your claim within a period of no more than two months from the moment it is submitted.

Once the company has resolved your claim, it must notify you of its decision within 10 days after it is made.

Defender of the Insured

It may happen that your insurance company has a Defender of the Insured and that, therefore, you should not contact the SAC.

Your contract stipulates the path you must follow in case of problems or if you want to file a claim.

It is important that you know that each insurer has an Ombudsman, however, he works independently from the company.

In order to file a claim with him, you must send it by certified mail or by any other system that allows you to obtain proof of shipment.

The claim must contain your personal data, the policy data, and the reasons for this. Remember that by sending the document to the Insured’s Ombudsman you will not be able to manage another claim by any other means.

Do not forget to attach all the documents that can substantiate your complaint and serve as evidence for a later resolution.

The Ombudsman has a maximum period of 2 months to declare a sentence and 10 days to send you his answer.

In all cases, the insurer has the obligation to assume the verdict. However, the insured is free to take advantage of the solution or not.

Commissioner for the Defense of the Insured and the Participant of Pension Plans

In case you do not want to accept the resolution of the SAC or the Defender of the Insured, you can contact the General Directorate of Insurance and Pension Funds.

This body has a new figure dedicated to helping users who have conflicts with their insurers. It is the Commissioner for the Defense of the Insured and the Participant of Pension Plans.

To try to resolve your case and find a solution that suits you, the Commissioner will advise you throughout the claim process and will process your complaints and inquiries.

In this way, the Commissioner has a period of 6 months to answer and grant a verdict, however, the insurer has no obligation to comply with the ruling.

Given this, and in case you do not agree with the possibilities proposed by the previous instances, you still have other means of claim: the arbitration route and, ultimately, the judicial route.

Resort to arbitration

Trying to find a solution to your problem through some extrajudicial resolution system can be quite advantageous if you consider that you will not have to pay a euro to make your claim valid.

However, you must remember that to access this system you must have the acceptance of the claimed company. That is, the two parties must be willing to resolve the conflict.

If you are interested in going this way, you will only have to submit a request for arbitration in writing to one of the following organizations:

  • Consumer Information Office of your Community.
  • Associations of consumers and users adhered to the arbitration system.
  • Regional Consumer Arbitration Board.

The last option: the judicial route

If you tried by all means but none of the other options resolved the conflict that you have with your health insurer, the only option you can resort to is the judicial process.

It depends on the type of damage suffered, there are two types of claims to make through the courts:

Claim for property damage


In this case, you must file the claim in the Court of First Instance within the year following the claim.

If you do not agree with the sentence handed down by said Court, you must go to the Provincial Court within three days.

Claim for claims with injuries


In this case, you must file the complaint with the Investigating Court within 60 calendar days from the date of the incident.

If you do not agree with the resolution, you can appeal to the Provincial Court within 24 hours.

Complete guide to optical insurance

Optical coverage allows you to access ophthalmological services and treatments. © iStock

Children, adults, or the elderly, the truth is that no one is free from having a visual problem that leads them to wear glasses or contact lenses. And, although in Spain this problem occurs in a large part of the population, Social Security does not cover all the needs of its inhabitants.

Although wearing glasses or contact lenses is not synonymous with a serious illness, the need to use a visual correction system is an issue that should not be taken lightly.

Indeed, More than 70 million people must use a system that allows them to correct one of the many optical failures that exist today.

So what happens when the Social Security Plan doesn’t cover the cost of these gadgets? How to correct our vision problems?

The outlay for the purchase of an ophthalmological device, whether glasses or contact lenses, is quite high. However, some insurers include special optical coverage in their medical policies that will allow you to cover those needs.

What is called optical coverage?

As with dental insurance or other special policies, optical coverage is the one that the insured subscribes and through which they can access ophthalmological services and treatments that will then be fully or partially reimbursed.

Who can subscribe an optical coverage?

Although each insurance company establishes its own conditions, most set an age limit when contracting policy of this type, ranging between 65 and 75 years.

What does optical coverage include?

The coverage normally offered by optical insurance are:

  • Comprehensive eye exams
  • Glasses
  • Contact lenses
  • Graduated crystals
  • Prescription sunglasses
  • Optical glasses frames

In other words, the optical coverage covers the expenses you have to make on glasses and contact lenses in the event that there is a medical need.

Certain companies may also include in their policies certain additional and infrequent coverages such as contact lenses to modify the color of the eyes, intraocular corrective lenses, prosthetics or implants.

What should you pay attention to?

Hiring the best health insurance, whether general or specific, involves reviewing and searching within what the market offers us.
Given this, it is important that you take into account certain points when deciding on one coverage or another.

Coverage limits

As with any type of insurance, companies set limits for each of their policies. As a general rule, most insurers set this limit to one prescription and one bill per year.

However, depending on the type of premium you want to pay, it may be that the company does not cover 100% of the expenses but only takes 50%.

Lack

The grace period is the time that must elapse from when you contract your policy until you can make use of its coverage.

Some insurers set the grace period at 6 months, however, there are others that offer you the coverage contracted from day one.

Exclusions

In most insurance policies, insurers set certain exclusions that, in no case, may be covered by the contracted premium. Among them are:

  • Medical consultations with an ophthalmologist
  • Medical or surgical treatment for the eyes
  • Orthoptic exercises
  • Low vision
  • Aniseiconia
  • Tomographs
  • Replacement of frames or glasses as a result of loss, theft, abuse or breakage
  • Medicines

Pre-stocks

It is important that you remember that a large part of the insurers will not assume the expenses of optical services in the event that the condition has begun on a date prior to the beginning of the contract.

How to compare health insurance?

Do not forget to choose an insurance company that you trust. © Pixabay

The Health policy is one of the coverage that Americans contract with the greatest care and regularity. For this reason, it is very important to take the time to properly analyze the different offers that the market offers. Check in this guide how to compare this type of insurance to make the best choice.

Didn’t you get the coverage you expected? Your health insurance does not guarantee dental benefits? Does the medical chart not accommodate your needs? …

Many people are surprised when using their health insurance when they realize that the coverage or compensation does not correspond to their calculations.

However, and despite the claims and long waits, most of the time the problem lies in the ignorance of the contract and the poor choice of the policy.

Given this, the most important thing before hiring health insurance is to compare the different policies offered by the market and evaluate the one that best suits your own needs.

Here we give you five tips to compare in the best way.

Write down your needs and those of your family

Before launching into the comparison of the different policies offered by the market, it is important that you take into account the medical needs that your family group presents.

All people are different and, therefore, not all require the same attention. Some must go to the doctor frequently because they have a particular symptom, others are content with making the mandatory visits.

Some of the points that you can take into account when analyzing the particular needs of your family are:

Choice of medical staff

If you always visit the same doctor and you like to personally choose the professionals who will give you care, then you should choose an insurer that includes them in their medical chart.

Take a good look at the lists of the doctors and clinics that work with your insurer, otherwise, you will have to change companies or pay the cost of the consultation in a private way.

Frequency of medical visits

If you are one of those who visit the doctor periodically, we advise you to opt for medical insurance without copayments. This modality allows you to access all health services in exchange for the payment of a monthly premium.

On the contrary, if you are one of those who never go to a visit of this type, you may want to opt for a policy with a copayment.

In this case, the monthly premium is much cheaper and you only have to pay a small supplement when you need to go to the doctor.

Look only for trusted insurers

When hiring your best health insurance, you should not look only at the value of the premium and the coverage they offer you. The choice of the insurance company is also very important.

Remember that there are insurers that do not market certain types of insurance and others that are specialists in a specific market.

To be sure that you are selecting the best companies, we advise you to:

  • Make sure it is a serious company with a long history in the market.
  • That works with a wide range of clinics, doctors, and specialists.
  • That it gives you different options to customize your policy.
  • To present to you the conditions and the fine print of the contract from the beginning of the negotiations.

Check the coverage that each insurance includes

© Pixabay

Even if you think that you already have all the necessary elements to choose the best health insurance, the truth is that there are still some steps that you should take into account.

One of the most important aspects of a policy of this type is the type of coverage that you will obtain after being hired.

Do not forget that in addition to the traditional guarantees, there are coverages that can be adapted very well to your specific needs, and that, therefore, would be important to hire.

We are talking, for example, about women’s health insurance or those that offer a greater guarantee in terms of optical devices.

Analyze well the coverage provided by each of the insurance that you have on your list and do not forget to review those additional or special guarantees.

Ask about grace periods and other special conditions

It is important that you inform yourself about all the conditions of the contract because many times the policies include certain points that can make you change your mind.

Some of the issues that you should take into consideration are:

Grace periods

This means that you will not be able to use certain medical benefits until the term stipulated in the policy has expired.

Generally, grace periods are included in benefits such as pregnancy, childbirth, and postpartum and comprise a period of time between 6 and 12 months.

Pre-existing diseases

Compare prices and decide on the best

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What are the additional guarantees that Life insurance offers?

The additional guarantees are intended to insure the subscriber's family against all the extra risks that are stipulated in the contract. © Freepik

When you take out a Life policy it is because you want to have the financial security that your family will not miss anything in the event that you suffer an accident or any other type of loss that causes your death or disability.

Today, most types of Life Insurance include a mandatory guarantee, in which the company agrees to pay the agreed capital in the event of the natural death of the insured.

However, there are other cases in which your policy can compensate your loved ones. We talk about the additional guarantees in Life insurance.

Indeed, anyone who contracts a policy of this type can decide the degree of protection they need, as well as the guarantees that their family can benefit from in the event of a claim.

Let’s review in this guide what types of additional guarantees exist and what coverage each one offers.

Remember!

The additional guarantees are intended to insure the subscriber’s family against all the extra risks that are stipulated in the contract.

Invalidity guarantee

The disability guarantee is a coverage that will protect you and your family in the event of suffering a serious accident and becoming disabled.

The main guarantee of this coverage is to offer you a monthly income for the time stipulated in the contract and in case of labor or professional disability.

This is one of the additional guarantees most requested by Life insurance claimants.

Additional warranty for accident

The mandatory Life insurance guarantee will offer financial peace of mind to your family in the event that your death occurs naturally, however, there is the option that this coverage is also effective if the cause of your death is an accident, regardless of its type.

Within this scenario, there are two additional guarantees by accident that you should know :

Double capital guarantee due to accident: in this case, if your death is caused by an accident, your family or the beneficiaries will receive double the capital stipulated in the main guarantee.

Triple capital guarantee for road or traffic accident: if your death is caused by a traffic accident, the beneficiaries will receive triple the capital insured in the main or mandatory policy.

It is important that you know that some companies include within this type of guarantee coverage that protects children under 18 years of age in the event that both parents die as a result of an accident.

Illness warranty

The sickness guarantee is a very popular option when taking out Life insurance.

This applies in the event that the insured is diagnosed with a serious illness or suffers any other major health problem.

In this case, and depending on the contract that has been previously signed, the company will pay the total or part of the agreed capital.

It is important to remember that some insurers offer different types of guarantees depending on the physical disability that causes the disease.

In this way, in the event that the disability is permanent and absolute, the insurer will advance the payment of the contracted capital.

On the other hand, if the insured suffers a serious illness, the company must assess whether it is within its list of considerations or not.

In general, the diseases you consider serious are:

  • Cancer
  • Cerebrovascular accident
  • Myocardial infarction
  • Diseases that affect the coronary arteries
  • Renal insufficiency
  • Vital organ transplantation

Do not forget that in case your illness is part of the considerations of your insurer, it will proceed to pay the insured capital. However, most companies will only validate this guarantee if you are under 60 years old.

The importance of assessing your needs

Before contracting Life insurance and choosing one or another additional guarantee, it is important that the insured carry out a complete evaluation of the needs of his family and the capital that it may require in the event that he suffers a serious accident or dies.

After performing this step, the person must carefully compare all the premiums proposed by the market, taking into account the additional guarantees that the market wishes to contract.

It is important to remember that for the same policy, companies can offer very different monthly amounts. For this reason, if you want to save on your Life insurance you should compare all the possibilities very well.

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