PRIVATE HEALTH INSURANCE: TIPS FOR CHOOSING A HEALTH INSURANCE.
Find here the most comprehensive comparative medical insurance
Given the growth of private medicine through employment or engagement of health coverage policies with insurance companies, each year the offer of such products is larger.
Through the information presented publicly on the Internet, you can learn much about the characteristics of private health insurance, while it is easy to get lost among the “ocean” of data exposed and the large number of existing market conditions.
Over the next few pages, we will analyze information available to the public through the Internet, to help simplify the search for the most suitable product for every need.
Before hiring a given policy is important to know what we are looking for health insurance. In this regard, it is interesting that the synthesis can be found on the website of DKV Seguros, in the “tips for choosing a good health insurance”
1. Deciding which type of policy you want to hire
In health insurance there are different kinds of policies you should know:
· Table Doctor: The insured can choose which doctor or clinic to go into those concluded by the entity.
· Reimbursement of expenses: The insured can see a doctor you want (in the country, or worldwide) and the Company reimburses a percentage of the invoice has been paid (between 80 and 100%).
· Mixed: The insured may want to visit the doctor and the Company reimburses a percentage of the invoice. You can also choose doctors or clinics Medical Chart without paying.
· Captain: The insured can only go to a doctor by specialty.
2. Check if the company specializes in health care
Ensure the health of individuals requires a high degree of specialization on the part of insurance companies. Not all have this level of industry knowledge. You will know by checking the following points:
· If you have extensive experience in the industry.
· If you have a wide range of doctors and clinics available to the insured.
· If doctors have their own.
· If you have worldwide assistance in case of emergency.
· If you have to study responsiveness cases we expected.
· If you have customized products, tailored to each person.
3. Check whether the company has additional facilities related to health
It is important to find out if the company offers services related to prevention and healthy lifestyles (access to gyms or spas at low prices, customer magazine specializing in health, health tips website or telephone medical advice).
4. Check box ensures a quality accredited medical
You can check whether the medical charts of the company are the most prestigious professionals in your city.
5. Check if it includes medical centers and hospital frontline
It is important to know whether aided schools have quality, not only in the level hotel, but in assistance, medical facilities and equipment.
6. Check if you have a fee system adjusted for age, sex and residential area of the insured
It is important that the rate you pay is commensurate with its probability of medical services, which is directly related to variables such as age, sex and area of residence.
7. Check how the company operates in case of frequent use of medical services
There are some policies in the market which include penalty clauses for the repeated use of the assistance.
8. Check to include dental services free of charge in the policy
The inclusion of a dental service in your policy, for free, guarantees you a cheaper price (and in some cases, free services) if you require going to the dentist.
9. Check the credit rating company
It is very important to know whether the business is part of a multinational group, leader in its sector or is a small local company with fewer guarantees of solvency.
10. Assess the level of service and humane treatment
The differences between customer-oriented companies and those that are not quickly perceived quality of service and treatment.
Moreover, it is important to have telephone service or through the Internet that give comfort to customers such as authorization of medical tests or medical guidance.
Tags: health insurances, Medical Insurances, Private Health Insurance, tips to choose health insurance
