Health insurance or how to cure health

Surely there is nothing more important than having good health. It is the basis for happiness and welfare of each person. However, in our country public health does not respond fully to the needs of each patient. Despite his fame, with regard to quality and good service provided to citizens is deserved, it is true that there are some factors that make the provision of this civil right is not the desired 100%. Especially with regard to the long waits that many must endure so that they are given attention, a lack that has been aggravated by the arrival of the economic crisis and the consequent reduction of not only human, but also materials.

The way to receive medical care that is not enough for 365 days a year is hiring a private health insurance. With it we make, despite the redundancy, early attention whatever our condition from a mild cold to severe disease. The companies have also reacted to the current situation and have worked on the development of affordable insurance for citizens, so that their recruitment is affordable for more people.

Health insurance is contracted more frequently is the basic, the medical box. Thanks to him we can go to see how many times we need it and in most cases with a time of very low expected. This gives peace of mind knowing that we will have medical care whenever we need it and almost instantly.

In this mode also we have different contract options, from simple medical box (with or without co-payments) box more medical reimbursement.

In the first case, the customer can choose between all specialists and medical centers that the company has an agreement, which offers a wide range of options. In the embodiment with copays the contractor pays a lower annual amount to be insured, but must pay a small amount each time you go to the doctor; in the second the price is higher but indifferent the number of visits made during the period of the insurance, whether one or more times a year.

As for the option of medical staff more reimbursement ... the difference is that the range of care professionals and medical centers that have closed an agreement with the insurer on duty, but also the rest of medical professionals is extended not only. We could define it as a response to the letter, which logically means for against greater premium payment by the customer. In this mode the company reimburses the insured a percentage of the doctor's bill when the professional chosen is not in the medical chart.

Of course, when we talk about health insurance we can not stop referring to dental, which in almost all cases is placed on the market as a separate health insurance. Dental expenses are usually high and so this specialty of medicine remains a world apart, although insurers try -in the extent possible make available customer a more affordable level economically average purchasing offers.

The preexistences

When referring to this type of insurance we must also talk about another factor to consider, that of pre-existing conditions. Insurance companies want, never better, good measure, and therefore requested to know the medical history of the client to perfection before signing the policy. Its aim is to know the previous pathologies of each applicant is obliged to hacérselas know the insurance, as the customer has the right to know perfectly, and no small print, this offering. An act of mutual transparency will be the best scenario before the company and client decide to start or not a path together, as in any self-respecting good relationship.

Hiring health insurance is carried out by a (usually) simple but complete contract between the client and the insurer. Fortunately internet has greatly facilitated things in recent times and stakeholders find it much easier than before -of know first hand and comfort-types and conditions of each health insurance, and compare them with those of other companies. Another positive factor that has recently consolidated is the flexibility or adaptability of insurance needs, circumstances and interests of policyholders; not only in terms of coverage, but with regard to the economic conditions of the contract, in finding companies reach more people by offering a more complete and personalized service.

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Home insurance: its thousand coverages and curiosities

We all know what we can offer home insurance in general: what are its main coverage, what protects, what guarantees, what it is.

However these policies may include much more than we may think at first, because there are many thoughtless scathing coverage that can be effective depending on our personal, family and professional situation. Imagination, the needs of each and the money put limits.

Let us look to start some of these curious coverages that could offer home insurance. Did you know that, for example, can cover damage to cause any mischief or prank that children in our care (children, godchildren) may cause? And interestingly not only in the environment of our home, but beyond it. For example, in a shopping mall. Technically it called family liability coverage, and serves to cover damages caused to third parties for any component of a family. In that sense, there is also coverage concerning discomfort or harm our pets may cause to others, both at home and outside it.

To continue talking about children (and adolescents), unfortunately one of the sad frequent situations today is cyberbullying and violence through the network, given the proliferation of new technologies in the personal environment. Some insurance companies have created specific coverages related to these cases, helping to protect the insured and his family in cases of this kind.

Another service that more and more companies include in their offer is the DIY service, which makes available to the contractor the help of experts in repairs or installations. So we should not worry about assembling a cabinet, changing a plug or fix a broken handle, then we will have that available option included in the signed insurance. Some insurers also contemplate the possibility that need the service of other professionals in our house, creating computer support specific coverage or medical care. Cosmetic damage are also included within the offers put on the market the different companies.



Outside our home

The funny thing is that in addition many of the coverages included in home insurance are not confined to the domestic environment, but also encompass scenarios occurred in the exterior of our home. This is the case, for example, of a robbery happened on the street. Some policies include compensation for theft and even robbery in the middle of the street, and others provide travel assistance (cover travel expenses, hospitalization, location and rescue, compensation for lost luggage and a host of possibilities).

Home insurance can take over even the loss of refrigerated food, we have at home, as a result of an electrical fault; service erase fingerprint; Lock mobile devices that we lost or we have abducted; of the damage caused by foundations or landslide; the costs of demolition and debris removal ... The advice is always the same: well informed of what we can offer a certain home insurance and know your coverage before hiring. And if you want it easier to talk to your insurance agent and get you out of doubt and give good recommendations.



Peculiarities country

Putting our focus now on home insurance in the world, highlights many amazing circumstances. For example, the fact that in our country neighboring nations like France or Switzerland is mandatory recruitment. And not only in the case of buying homes, but in regard to rent. In the Helvetic country also hiring home insurance is not performed in some cantons through private companies, but by public bodies.

Two other countries firmly committed such policies (although they are not mandatory procurement) are the United States, with about 95% of its homes and Australia, with 85%. By the way, speaking of Americans, the most frequent causes of loss in homes are two: vandalism and theft on the one hand and on the other weather elements (wind, hail, floods).

On the opposite side Latin American countries like Mexico or Colombia, where virtually ensure the homes are located. Only 5% of Mexican homes are insured, while the percentage of Colombian who bet on covering their backs in that sense is around 1%.

Millionaires, of course, are a world apart, and also in insurance. Let's finish this post with a curiosity: it has become fashionable among some people of high purchasing level hiring an insurance paramilitary operation. This allows them, if necessary, in record time have the help of a team of professionals who put their expensive possessions safe in case of a theft or a natural disaster.

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Diagnostic tests, its importance in the private health insurance

Today we will talk about an important section of a fundamental relevance coverage in all private health insurance. We will refer to diagnostic tests.

These are different tools and procedures to know the existence of a disease, disorder or condition, the degree of intensity or level of forward or reverse. special or tests simply routine (but not dispensable) so that we can ensure that our health is adequate or, if not, what should be the next steps to try to recover. Most of us have made, or will make at some point in our lives, because they are that essential for good medical diagnostics and must be taken into account when we are thinking to purchase health insurance.

Diagnostic tests assume, therefore, an important first step for those who carry out; well as subsequent measurement element to a surgical operation; well at the start, continuation or termination of a particular medical treatment; or to offer tranquility, for sure, that we have been able to overcome some illness, injury or illness. Are crucial when it comes to enjoy adequate medical attention at present, and therefore part of the regular health care to serve the public both in public and in private medicine. The latter extends the range of tests available to customers that hire and usually shortens waiting times for interventions, in addition to helping streamlining and decongestion of the public system.

 

Read the conditions of the policy

Once reviewed its importance, we will focus focus on your connection with bouquet of medical insurance. Speaking generally we must note first that almost all insurance companies in this field (if not all) to include in its most basic insurance. But that does not mean that the offer is essentially the same in this sense, it is always advisable to carefully read the policy.

Generally the most widespread and basic tests (radiology, blood tests, CT scans ...) are included in the basic insurance we hire whatever the company, but the most advanced may not be included and part of group of extended coverage. Therefore, we must consider what to include our insurance and what not, especially without considering basic options of insurance or low price.

These options, such as medical staff without hospitalization or medical box copayment, as normal is that charged us a small fee for every test we perform (radiography, radiology, ultrasound, cardiologic or ophthalmologic examinations, clinical laboratory tests, electrocardiograms ... ) or a higher amount in the case of other tests: MRIs, colonoscopies, endoscopies, scans, computerized tomography (CT), eco-Dopplers in color ... it should also be noted that obviously there are other factors that influence final price to disburse by our insurance, such as age, work or personal health circumstances of each.

 

Diagnostic tests, detail

Health insurance includes a wide range of diagnostic tests, although many of them are not part of basic insurance and have access to them we should get hold of an expanded coverage or pay them as a separate service thanks to copayments. Overall are these:

    pathology and cytology.
    Cardiology: coronagraphy, echocardiography, electrocardiography, cardiac catheterizations, and stress tests.
    Clinical analysis: biochemical laboratory tests, enzymatic and radioimmunoassay. Blood tests, urine, stool, sputum, semen analysis ...
    Nuclear Medicine: Nuclear scintigraphy studies of liver and biliary tract, thyroid, bone, lung and brain. Positron emission tomography (PET)
    Techniques of imaging: ultrasound, mammography, radiology (conventional contrast, invasive), eco-Dopplers, bone densitometry, nuclear magnetic resonance, punctures and aspirations of organs, computerized axial tomography.
    Bronchial endoscopy (bronchoscopy), digestive and urological (cystoscopy, cystometry, urodynamics).
    Clinical Neurophysiology: Electroneurophysiology (electroencephalography, electromyography, evoked potential and polysomnography).
    Study by OAE.
    gynecological tests: Amniocentesis, pap smears, hysterosalpingography.
    ophthalmologic tests: fundoscopy, visual acuity, tonometry, perimetry, retinal angiography, optical coherence tomography.

As we have seen is a need for diagnostic tests and can not miss a good safe, informed and read the conditions and the policy will allow us to properly choose.

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Death insurance: insurance family together

A united family is very important ... and not just in general terms, but also in regard to the insurance world family.

Insurance companies now offer many advantages to groups who bet on them and whose union leads to personal and collective benefits for both the policyholder and the rest of the insured.

Death insurance would not be an exception, as evidenced by the fact that today the name of the hiring policy in this area is usually the "burial insurance and family assistance." Traditionally, this area has a very important tradition in our country as it has hired a lot in Spain. Historically it has inherited from parents to children in a way as an inheritance, although there is now better access to information and greater variety of offers for citizens may have more tools to make better choices face.

In this sense, although everyone is free to choose their best option, the fact is that in general it is recommended that the components of a family bet by the same insurer. This results in a number of benefits that will try to provide details in this post.

Economic benefits

The biggest advantage, however obvious it may be, is to ensure that all components of a family can be insured beyond the contractor. At the end of the day, this is not the only one who can suffer the misfortune of death or who may benefit from other coverage offered by the insurance directly, and are usually offered to all family members who are insured .

The inclusion of a greater number of components as insured on the same policy with the same company often result in significant financial savings, but always depend on the conditions of each insurer. Typically, each of the insured paid in reference to your health and your date of birth (a younger, lower premium), but it is usual that the inclusion of more people conducive get discounts on the total premium to pay .

In this sense we must also point out that the inclusion of children as insured involves the payment of very small, almost insignificant, fees or even newborns or young age, are excluded from pay in the early years of his life. As you see it costs practically nothing to include them, and you have to think in smaller since they can benefit from the complementary advantages of this insurance.

On the other hand, with respect to the elderly, it is usual that from a certain age (65-70 years), companies do not ensure those people. When hiring a family insurance many of them allow the inclusion of people of the Third Age as insured, always, yes, there is at least someone younger in the household. The elderly, therefore, may have the option to be insured if they belong to a family that is committed to the same company for the whole family; It demonstrated that the family that stays together has more advantages.

Sometimes the benefit is obtained in other branches of the insurance company with which we have a contract. And it is that sometimes firms offer as a reward for insured families the opportunity to opt free of charge to the protection of other types of insurance brand (Auto, Home, etc.) or at least get significant discounts when hiring them.

It is also common the fact that there are specific coverages for example, the assistance trip- simply be paid for once and that change can benefit all members of the group who are insured. To pay the money corresponding to that particular coverage can benefit the whole family, not just the policyholder.

Comfort management

Comfort in management is one of the strengths of the decision to unify the insurance in a family (a common practice in couples who had previously engaged in a policy of deaths with different signatures and decide to opt for one of those brands once have had offspring). It is more comfortable having a single party, a single company to meet its conditions and one place to turn for management or information.

Finally, we must also note that this insurance can often be applied even if one of the members of the family residing abroad, but generally this protection has a limited temporal validity and must adapt the policy to the status of member of the family remains expatriate.

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