Life Insurence
What is health insurance?
And why you need one
Health insurance is a contract between the policyholder and the chosen insurer, which helps to cover medical costs thanks to a health cover assigned to the policy. In this way, the insured person and his family are protected in the event of suffering from an illness or disease.
In Boracay Brokers We support We help We care We protect We solve
Types of policies
There are many types of health insurance, depending on the coverage included and the method of payment of the premium.
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 hospitalisation and dental insurance.
Medical insurance with no co-payments
These are insurances for which you pay a single premium and with which you can visit 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 centres and hospitals that have agreements with the insurer, that is to say, that form part of your medical insurance.
Medical insurance with co-payments
These policies allow the insured person to go to the centres that form part of the medical list of their insurer, but in addition to the annual premium, a price is paid for each visit or consultation. These amounts vary depending on the product and the assistance received.
Reimbursed Medical Coverage
With this type of health insurance, the user has a free choice of doctors and clinics.
Once the care has been received in the centre of preference, the expenses are presented to the company and the latter is responsible for reimbursing the insured person between 70 and 100% of the costs, as established in the contracted health policy.
Advantages of having health insurance
- Access to specialists without waiting, with free choice of healthcare centre.
- Exclusive dental treatments and services.
- The most complete health insurance policies include free treatments, such as oral cleanings. Dental insurance will allow you to benefit from very significant discounts, being able to access services at a lower price than going to consultations with private professionals. This way you can afford long-term treatments and even finance them.
- Most private health insurance policies have international health cover for travel abroad for emergencies only, and generally cover temporary trips of less than 3 months’ duration, with capital sums up to €15,000, repatriation for the sick and injured, or in the event of death.
And these are just a few!!!!
Some Health Insurance Coverage
- Gynaecology
- Paediatrics
- Paediatrics
- Nursing
- Hospitalisation
- Emergency Service
- Family planning
- Preventive Medicine
Important! Don't lose your seniority!
Remember that, if you currently have health insurance, and you are worried that by changing company you will lose your seniority, all companies will exempt you from the exclusion of any deficiencies by presenting the last payment receipt and the particular conditions of your current insurance (If you are pregnant, you should inform yourself very well first, as childbirth would not be covered in any case). This is important when assessing health insurance.
It is also important that you find out how long the insurance policy you are taking out lasts, as well as filling in the medical questionnaire correctly.
Other services that may be included:
- Possibility of second medical opinion
- Rehabilitation and physiotherapy
- Transplants
- Prostheses
- Acupuncture, homeopathy and natural medicine
- Podiatry
- Umbilical cord cryopreservation
- Payment protection
- Home help for convalescence
- Genetic study of obesity
- Gastric balloon
- Food intolerance test
What data do I need to calculate my health insurance?
Calculating your health insurance is as easy as indicating your date of birth, the town where you live and knowing your specific needs, as there are several options and types of health insurance, depending on what you need.
If you are only interested in having access to specialists without waiting, you can also opt for a basic insurance
for a lot less than you think.
Need more information?
At Boracay Brokers you will find warmth and closeness, so that you will find security, always maintaining seriousness and professionalism towards all our clients, who are our priority, being these and their needs an essential part of our identity.
