At the time of choosing a health insurance we must consider several factors for it meets our needs. From your insurance we support your decision and for that you are some variables to consider: One of the first questions we ask ourselves is which modality is best suited to our needs. There are two key variables in choosing the form:
• Medical team (guide service) companies. If these do not fit your needs and want free access to any professional and / or center national or international level will have to choose an insurance reimbursement that allows you to combine the services agreed with the freedom of choice.
• Cost of insurance. Insurance reimbursement have greater benefits because their healthcare provision is broader and therefore have a higher cost and, if accessed outside of the medical services of the company concluded, is to advance the payment of business or in the time of service.
• Who will be incorporated into the insurance?. Some companies do not ensure incomplete families. L I siempren children alone are not accepted if the parents are not insured. Older people from a certain age and can not hire. Check if your needs to ensure they conform to the recruitment policies of companies. Ask one of our consultants.
• What’s your insurance?. There are several levels of coverage. Make sure you are hiring a full coverage insurance or modular, what services it offers and whether the limitations are included in line with that offered on the market or is excessive.
• The medical staff at the level of professionals and hospitals. Not all companies have good medical coverage depending on areas. Once you’ve checked the reviews cover the range of services offered in your area care reference. Some companies only offer their sevicios in a limited geographical area. If does not meet your requirements in the insurance company that offers nationwide coverage.
• If you travel abroad regularly check your insurance coverage. If you do it to certain areas such as the United States recalled that health care is high cost. We recommend you purchase insurance for travel assistance supplementing it.
• Dental services. Check the level of dental services that includes insurance. Some companies incorporate basic dental coverage and economic benefits for other services if you agree to its range of professionals / facilities without charge, while others offer this service by paying a reduced premium optional extra.
• The waiting period. It is the time that must pass from the top of your health insurance until you can access certain services companies. In case of change your company, presenting documentary proof, you can eliminate certain shortcomings. The lack of labor does not get used to remove, so the state must be confirmed before switching to other health insurance.
• The pre-existing. If you have or have had a disease or intervention, companies can assess your case and you exclude certain services related to it. Do not confuse respect with the acceptance of old pre-existing condition.
• The cost. currently on the market offers and discounts that allow you access to comprehensive insurance. You can take the opportunity but you must remember that, since the promotions may be some conditions to consider.
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