Preferential health insurance consist of a small fixed amount with an additional payment only when you go to the doctor.
Baremadas policies do not have deficiencies and not set limits on the basis of the age or State of health of the user.
The amount to be paid by the insured for each treatment or consultation the pacta the insurer with the clinic, health center or health insurance.
Private or public health? Surely this is one of the questions that a large percentageof the population in deciding in the hands of who put one of his most valuable possessions: health.
The decision is not as easy as choosing between Social Security and private health, since there are different modalities within health insurance: insurance co-pays, without co-payments, with reimbursement or preferential. Then, can choose what?
Although all cases involve insurance medical differences between them can be abysmal. In this article we will explain in detail the preferential health insurance. What?,what is special?, what are its advantages?, and the disadvantages?
What are preferential health insurance?
The preferential are a form of health insurance that allows users access to private medicine and benefit from its advantages at a more affordable price. The customer pays a much lower than a traditional insurance premium and when it needs to go to aspecialist only has to pay for the service you are using. The services will have to be paid directly at the clinic or center that receives the treatment and the insured must present a card certifying that he has contracted insurance allowing you to benefit from these advantageous conditions.
The difference between see a doctor without insurance of health or one baremado is that the latter form the price of each visit or treatment can be up to 70% less thantheir regular prices. In addition, all tests, diagnoses, treatments or consultations arepreferential, i.e. the insured will know at all times the price that you must pay for each of them.
Pacta prices the insurance in the different clinics, centers and professionals that have Convention, always below its official prices. Therefore, the schedule will vary depending on the health centre or specialist chosen within the medical box.
Secure preferential insurance vs traditional
Preferential health insurance differ from the rest of insurance that do not include periods of shortcomings, so it can be used from the time of their recruitment by all kinds of people like, for example, pregnant women. In addition, while a traditional insurance sets limits as to the age at the time of being hired and even excludes those who have certain illnesses, preferential insurance can be signed both a man of 45 years old without any health problem by one of 85 who have diabetes.
Another feature of this mode is the absence of authorization, i.e., it is not necessary for the insurer to study the State of health of a person to decide if he runs the risk of make it or not.
Preferential health insurance Vs health insurance co-pays
Preferential insurance may be confused with those that apply a co-payment for theuse of certain medical services since the 2 require the payment of a fee and an additional amount for the use of it.
But, despite the fact that the methodology seems the same, the difference is substantial since, while the premium of the insurance co-pay is much higher than the preferential cannot be said the same of the amount payable by the insured by go to query or perform a treatment. The copay cost tends to be between 1 and 100 euros, while the scales can be placed at 150 euros which usually cost a simple T.A.C. to the nearly 5,000 euros which can achieve a breast augmentation operation.
A pediatric review which is situated between 2 and 20 euros, on a certain scale withwith a co-pay insurance does not usually be below the 25 euros, while a rehabilitation session can cost more than twice with a baremado sure that with one with co-payment.
The absence of periods of lack and exclusions on the basis of sex, age or health status are other aspects that differentiate a form of insurance on the other. In addition,preferential insurance include specialties as plastic surgery for aesthetic reasons, often excluded in the insurance co-pay.