1. What coverage do you need?
To start looking for your insurance you should first think about some issues like deciding if you are going to include your family within your policy. You should also keep in mind that your age will significantly influence the price of your insurance. In fact, from a certain age, it might be impossible to hire him.
2. Choose the mode that best suits you
Usually, insurers make available to clients a medical chart with a wide catalog of specialties, ranging from primary care to hospitalization. Another option is the so-called free choice, which allows you to choose any professional anywhere in the world.
These specialists are not always part of the company's medical staff. The usual thing in these cases is that you have to pay the bills yourself and the company will refund you a percentage based on your policy. In addition, there are mixed modes that combine the two above but it is a decision to take into account since they are usually much more expensive.
3. What is the copayment?
The copayment is a formula to lower the insurance premium. In exchange for paying something less in your monthly payments, you will have to face part of the cost of certain medical care. In this way, companies make sure that users do not abuse the services and, in turn, users who use less insurance can pay less. It's all about making numbers and figuring out what works best!
4. What are the grace periods?
The grace period is the time that passes from the insured's discharge until he can request a series of health services such as interventions or diagnoses. This must be taken into account in the case of suffering an illness or being pregnant since it may be that after some time you may not be able to benefit from some services that you need for your situation. This point is one of the most important when it comes to insurance.
5. Values the center and its professionals
In the case of health prevention is better than cure, so take some time to check the medical chart offered by the insurer. Check that you have professionals and specialists of quality and that you can have at your disposal well-equipped medical center near your residence.
6. Special covers
Not all insurances include it, you will need to assess whether you are interested in receiving special coverage of oral, psychological, assisted reproduction or overseas travel assistance.
7. Authorized services
In almost all companies there are a number of services such as hospitalizations, high-tech diagnostics and prosthetics. Which require prior authorization. That is why it is essential to have an efficient telephone service that can resolve this type of action quickly and know what services are necessary for these authorizations.
8. What are the consequences of using these services frequently?
In some health insurance premiums may increase from year to year and one of the reasons may be frequent use of the health services that have been contracted. For this reason it is very important to inquire about these types of issues since it could be very expensive to renew our insurance.
9. Read the fine print
As always whenever a service is contracted it is important to conscientiously review the clauses of the policy you have chosen. It is important that you clarify the duration of the contract, the form of payment, the cancellation deadlines and that you do with some way to contact a customer service before signing.
10. Save whenever you can.
It is important that there is a balance between the coverage and the price of your insurance. However, whenever you talk about health it seems a little risky to talk about saving, that is why, you can find other advantages when you hire your health insurance. For example, if you live in Aragon, Balearic or Cantabria and you meet a number of conditions, you can get rid of 5 to 15% of the premiums you have paid in your health insurance when making the declaration of property.
Besides the price, you can also find insurance that will offer other benefits if you hire them. For example, with the Travel Insurance Agency, by hiring your policy you can add many points to transform travel and gifts. Specifically, if you contract your health insurance with Caser before January 31, you will add 7,500 points.
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