Why take out health insurance?

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Many people consider the possibility of contracting medical insurance that protects their health and that of their family and assures them the most comfortable, fast and efficient health care, as well as the diagnoses, treatments, analytics, tests, and hospitalization at the moment in which they need it. In Spain these services are covered by public health, however, the massification of it, waiting lists, as well as the lack of investment and maintenance of health centers and hospitals lead many to opt for a health solution private But, if you can access health services for free, why take out health insurance?

Private health VS public health

The public health that the Spaniards enjoy today is in the period of reform. Co-pays, staff reductions, a decrease in the services offered and increased waiting times when you ask for a doctor’s appointment, and more, if you are a specialist, since accessing them, can become a complicated task. Therefore, private health, which can be accessed through health insurance, is the solution if you want to have specialized health care in addition to other services without extensive waiting.

Use of health insurance

The strengths of private health depend on the user since each one gives more importance to some services than others. Among the advantages of having health insurance contracted, we can highlight :

Speed ​​and agility

The time you have to wait to be able to perform diagnostic tests and subsequently obtain results is at an average of 8 days, while the same process in public health would take you more than 47.

Emergency services

Emergency health insurance services allow access to specialized care without long periods in the waiting room because they are not as crowded as the public.

Hospitalization

Having health insurance it is possible to choose in which hospital you want to be admitted and treated. And not only do you benefit, but in many cases, your companions can access benefits while you are admitted and, in front of many public centers where more than 2 patients live in each room and their families, in private you can access to one exclusively for you and thus be more comfortable and calm.

Primary and specialized assistance

Through health insurance, you can access a large number of specialties and, in most cases, you can do so without having to go through your GP. That way you can expedite the consultations and go to the doctor you want before a health problem.

Also, these policies allow you to choose personally and at all times the doctor you want to see you. You can decide which center to go to and which of its professionals will attend you.

Dental care

Just as public health offers you dental services, Health insurance offers you a wide range of dental health care so that your mouth is healthy. Also, many of the treatments that you must pay in the public or that you would end up doing in a private center are included, and if not, your policy can offer you special prices. There are even dental insurances that can be hired specifically or within health insurance and that includes a free consultation, emergency, cleaning, radiographs, and even periodontics, among other services.

Medical treatments

Private centers often offer innovative treatments and new sanitary techniques to their users and even allow you to obtain a second medical opinion or receive specialized care abroad.

Public and private health

Having health insurance does not prevent you from accessing public health, so if you want to go to a public health center for any treatment or hospitalization you can do so. That is, that you hire such a policy does not imply that you cannot access the services offered by Social Security.

Centers throughout the national territory

Even if you take out health insurance in your city, you can not only access the centers arranged in it, but you can go to any ambulatory or hospital in the national territory, no matter where you are. The choice of a private center or another is made by you, and you can determine it according to the speed in being attended, the information they offer you, the personal treatment they give you or the quality of their facilities.

Sanitary facilities

Another of the points that can lead you to take out health insurance is the training of its professionals and the technology and means available to private centers, which have a direct impact on the quality of the services offered.

International attention

If you lack health insurance when traveling to a country in the European Union, you can access health services thanks to the European Health Card, although not in all countries it works the same way. However, when the destination is outside the European territory if you get sick or suffer an accident you may have to face high economic charges for health care.

With a policy of this type, you can be treated regardless of where you are since the insurers have agreements with international centers and offer you health care outside your country, and in many cases, without any additional cost. Also, if you have to urgently return to your place of residence for medical reasons, they may even cover the repatriation or transfer of a relative so that he or she is with you where you are hospitalized.

Positive assessment of health insurance

The Institute for Health Development and Integration (IDIS) periodically publishes barometers that measure the satisfaction of users of private health and reveal their strengths. According to the latest public fact, 2 out of 10 emergencies are carried out in private institutions, as are 3 out of 10 surgical operations. Something that helps reduce the waiting lists of the national health system.

On the contrary, the worst value is usually its price, since all these services are obtained in exchange for the payment of a premium. However, it is possible to hire an insurance product of this type without a high cost by adjusting the coverage or by opting for the co-payment or reimbursement method.

The longer it takes a person with medical insurance, the better he values ​​his services because he knows in greater depth everything that private healthcare offers him. Are you going to lose all his advantages? If you want to take out health insurance to protect your well-being and that of your family, the best way is to compare between those offered by the different insurers. With search engines like Rastreator.com, you will save time and money ensuring your health.

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