Advantages of a Health policies
The main coverage of a health insurance policy is health care, and health insurance companies have their own clinics, laboratories and care centers, as well as a wide list of subsidized centers. The insurers can avoid long queues and receive the results of their analysis or tests much more quickly. In order to have access to specialists, it is not necessary to go to the general doctor first. It is possible to choose the hospital you want to go to and the specialist who will attend you. Private medicine is often associated with access to alternative treatments and new techniques. Greater benefits for accompanying persons in the event of hospital admission.
Most private medical insurance policies have international health cover for travelling abroad only for emergencies, and generally cover temporary trips of less than 3 months’ duration, with capital sums of €20,000, repatriation if you are sick and injured, or in the event of death.
Types of Health Insurance
There are many types of health insurance, depending on the coverage included and the method of payment of the policy
In general, they can be divided into: medical insurance with no co-payments, medical insurance with co-payments, medical insurance with reimbursement, medical insurance with hospitalization and dental insurance.
Medical Cover with no co-payments
You pay a single fee with which you can go to the doctor as many times as you wish without additional payments per visit. With the medical insurance without co-payments you can choose between all the medical centers and hospitals that have agreements with the insurer, that is to say, that form part of their medical insurance.
Medical Cover with co-payments
These policies allow the insured person to go to the centers that form part of the medical list of his insurer, but in addition to the annual fee, a small fee is paid for each visit or consultation. These amounts vary depending on the product and the care received.
Medical Cover with Refund (Free Election Worldwide)
With this type of health insurance, the user has free choice of doctors and clinics.
Once the care has been received in the center of preference, the expenses are presented to the company and the company is responsible for reimbursing the insured person between 70 to 100% of the costs, according to what is established in the health policy contract.
Health Insurance Coverages
Other services that may be included
And if you only want to be able to access specialists without waiting, you can also opt for a basic insurance for much less than you think.
Covers dental treatment and services only. The most complete health insurance policies include free treatments, such as cleanings. Dental insurance will allow you to benefit from very significant discounts, being able to access services at a lower price than by going to consultations with private professionals. In this way you will be able to afford long-term treatments and even finance them.
At Boracay Brokers you will find a warmth and closeness for you to feel more certainty, plus always maintaining a seriousness and professional approach, so that you feel sure, which is our priority, with this and satisfying your needs is an essential part that forms our identity.
At Boracay Brokers we only work with the leading companies in the insurance market.
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