Why take out medical insurance if healthcare is universal? It is difficult to see the benefits of health insurance until the time comes when you need it and then it is usually too late to hire it due to the grace period.
However, even with quality Public Health, having private eye med health insurance has many advantages. Surely you have thought about some of them on many occasions, but there are others that will surely surprise you. Let’s start!
Why take out health insurance?
Here we review some of the main reasons why it is good to have health insurance.
Free choice of the medical center and specialist
This is one of the main benefits of private health insurance. When you take out health insurance, you can choose the center you want to go to and, when the time comes, the specialist you want to see you.
In fact, the medical chart is one of the key points to choosing health insurance. With Public Health, the assigned center will always be the closest. Private insurance allows you to choose the hospital you want and also the primary care doctor and specialist.
Fewer paperwork and steps to receive care
To be able to go to a specialist in Public Health, you must first go through the consultation of the family doctor, who is the one who will decide whether or not to send you to the specialist. Private insurance eliminates this step. You can go directly to the specialist you want and choose without further paperwork or waiting.
The result is that you will receive the treatment you need sooner, an advantage of private insurance that you will not find in Public Health.
Reduced waiting times
In line with the previous benefit of medical insurance, another of the most valued advantages is the reduction of waiting times and of the lists to carry out diagnostic tests and also to receive the results.
The average wait to take a test and receive the result is 8 days for the 47 days of public health.
The best example of this advantage of private insurance is children’s health. As a parent, it’s normal to be upset when your child gets sick, especially when you don’t know exactly what’s wrong and he can’t explain it either. With health insurance, you can forget about waiting lists at the pediatrician. Your little one will always be seen as soon as possible.
Children are one of the reasons for having health insurance and their birth is one of the reasons and times when it is usually contracted.
This speed also applies to emergency services, which with private health insurance are more agile, which is what you are looking for when you go to them.
Time flexibility
To visit your public health doctor and even a specialist, you will have to ask for a morning off from work and even the whole day.
Private health insurance schedules are broader and more flexible. You can go after work or have to miss just a few hours. In addition, there is usually no annoying waiting to be seen because they give more time to each patient.
Most innovative medical treatments
Private healthcare is always at the forefront of medical treatments and techniques. In addition, you will have a wide variety of options when choosing the treatment you need and other complementary therapeutic techniques.
In fact, you will always be able to ask for a second medical opinion whenever you need it. This way you can ensure that the treatment is the most appropriate for your ailment.
I ️ Learn about what the second medical opinion consists of.
More comfort in hospitalization
A larger room for you alone, without companions, and with more flexibility for visits. This additional comfort is one of the most repeated reasons for taking out health insurance and one of the great benefits of health insurance.
International coverage: you are covered on your trips
When you are on vacation or traveling, you just want to enjoy yourself and not have to worry about hospitals or emergencies, even if you have a mishap. With medical insurance, you will have the care you deserve on vacation, both in Spain and abroad, through travel assistance coverage.
With Aegon insurance, you can go to any concerted center, wherever you are. If you are traveling abroad, you will also be covered within the limits of the policy, which can even save you travel insurance.
Regular check-ups and prevention coverage
There are medical tests that should be done according to age and also annual check-ups that it is advisable to do.
Public health only covers part of these tests. If you want to do an annual blood test, the public health will not cover it, since they are only done at certain ages. The same thing happens with visits to the gynecologist, which with public health are limited to specific times depending on your age and pregnancy.
With private health insurance, you will not have these limits. You can get the checkups you need when you need them. Thanks to this prevention coverage, it is possible to detect health problems early and anticipate them.
Dental care
Public health dental coverage is limited. The extractions are covered, but if you need something else, public health may not go as far as you want. If you have a private health policy, you already have access to some services and discounts on dental interventions. In addition, there is dental coverage within many of the private health insurances that cover services such as cleaning, fillings, discharge splint, or X-rays.
24-hour medical assistance
With Aegon, you will have medical assistance at your disposal 24 hours a day, whenever you need it. This benefit of medical insurance translates into the peace of mind that you can resolve any medical questions at any time without having to go to the hospital. This will save you a lot of time and nerves.
You can choose the type of insurance you want
There is more than one type of health insurance and different modalities that adapt to your needs. Thus, you can choose between insurance with an open medical directory, where you can choose the specialist you want; with a closed medical chart and reimbursement, in which you can go to any doctor but you will have to advance the money if it is not within the medical chart of the insured person; or medical insurance without or with a copay. The latter is cheaper, but unlike medical insurance without a copay, with this type of insurance, you will have to pay a certain amount each time you use the insurance.
The most important thing is that you get advice and choose the option that best suits your needs.
Compatible with public health
It is common to think in terms of black and white and forget that private health insurance does not exclude the use of public health. You can enjoy the benefits of private health insurance and go to public health when you deem it appropriate.
These are just the top 12 reasons to buy health insurance, but there are more. Health care through private insurance, such as Aegon’s, offers other types of advantages such as video consultation, assistance through agile channels such as Whatsapp, etc.
Key points to knowing which health insurance to choose
Now that you know why you should take out medical insurance, all you have to do is choose the one that best suits your needs. These are the most important features to look out for.
medical chart
When you consider which health insurance to choose, a very important aspect of the medical chart; have a wide medical chart in all directions, both horizontally and vertically.
- On the one hand, horizontally, it must cover the maximum number of specialties and diagnostic tests.
- On the other hand, it is also important that you do it vertically, with a sufficient number of professionals. To squeeze the benefits of health insurance, avoid focusing only on your place of residence and also think about whether you travel a lot within the country or abroad.
Wide range of centers
In this line, we must not forget the reference medical centers for both emergencies and hospitalization and the characteristics of these centers.
It is important to analyze different aspects, from the proximity, the services they offer as well as the added value of aspects such as the single room and the companion’s bed.
grace period
Another limitation is the existence of a grace period, which is the time you have to wait to access some insurance specialties. For example, to have childbirth coverage, it is normal for at least 8 months to pass from the date of contracting.
Additional coverage
Good health insurance is often distinguished by the additional coverage it offers and which can be of many types. For example, adding dental insurance or making it cheaper, or having travel assistance coverage. Many of these coverages can have great importance in our personal circumstances. For example, if you travel a lot, both for leisure or work, these latter coverages may be more important.
️ In the case of Aegon, the accompaniment pack stands out, which includes coverage such as accompanying the insured to the hospital or home care.
Precio
Of course, price is an important variable, but not an isolated element. More than the price, it is important to look at the coverage, and therefore at the quality/price ratio.
Think about the type of insurance
The best health insurance offers different contracting options and more than one modality.
- For example, if you are not going to use the insurance much, the co-payment option can be very interesting to pay less.
- On the contrary, if, for example, you have small children and the use is more intensive, it will be more profitable to eliminate any type of co-payment.
- Another option, generally more expensive, is to choose the free choice of doctor insurance. In this case, it is necessary to analyze, in addition to the price of the premium, the possible distribution of costs between what the insurer pays and a percentage that the insured person generally co-pays.
Analyzing all these key points will help you find the best insurance for you. Price is a relevant variable, but the analysis should focus mainly on other aspects that determine health insurance coverage.
Health insurance with the maximum guarantees
At Aegon, we work to provide you with health insurance of the highest quality, based on taking care of you and making you feel close to us. An effort that has earned us in the last two years the recognition of the best Customer Service of the Year in Health Insurance.
For this, we offer you maximum coverage and an extensive medical list:
- More than 50,000 professionals
- 200 hospitals
- 1,000 medical centers
- 3,700 gynecologists
- 2,600 pediatricians
- Service in all towns with more than 20,000 inhabitants.
Discover the insurance we have for you at the best price. And find out without any commitment about our available discounts and promotions.