In the first place, it is necessary to distinguish between health plans and Health Insurance since they are often confused.
In Health Insurance, the insurer will cover the medical expenses of insured, indemnifying them in case of illness up to the limits of capital contracted for each of the coverages. It can work for reimbursement of these expenses or direct payments to the clinical provider.
Wich allows us freedom of choice. Once we can go both, to the network of contracted providers or the doctor of our favorite - and to contract specific annual capital for each coverage.
A health plan is like a discount card. It allows us to access a network of clinical providers at agreed prices, without, unlike health insurance, having grace periods and possible exclusions due to previous illness. In exchange for a certain monthly fee, the customer has reduced prices and other benefits, such as a doctor at home.
Health Insurance is the right choice for most people. However, it is a difficult choice and one that requires a lot of research and criteria.
If we have an NHS, what is the need for health insurance? For this, we have to take into account several factors:
Having Health Insurance is having the guarantee that you will be well treated, and you will not have to subject yourself to endless waiting lists.
We do not mean that the NHS does not work well and with quality, but having health insurance gives us some advantages, such as having a doctor at home when we need it.
To help you with your decision, count on our free advice service and the full range of insurance and plans we have to offer.
Contact us, or go to our Agency. We wait for you.