Tag : health-insurance

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Health insurance preferential you know which

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?

health insurance

health insurance

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.


The teeth in the baremado health insurance

Insurance scaled par excellence is the dental. The user who subscribes to a policy ofthis kind pays a premium that includes some free treatments and discounts of between 20 and 40% in other treatments. Most health insurance preferential, not to say all, include its coverage for dental services. Some are free such as reviews, routine consultations and even urgency. Other treatments and services at preferential prices, i.e. the user must pay a fixed amount but only when you use them.Preferential treatments:

Dental services that are often included in preferential health insurance are:
Root canals
Buccal cleaning
Orthodontics (2year treatments)
health insurance

health insurance

Specific dental insurance

Dental insurance keep certain similarities with medical insurance, even can be hiredtogether, but while that of health you can choose whether to have or not co-payments in the dental this option is not available.
Rather than hire a baremado health insurance, with access to a multitude of specialties, users may opt for a specific Dental insurance when they intend to start an expensive treatment. Thus, patients pay a premium, which is usually not too high, and they can access services at lower prices than be without him.

It tracks the best health insurance

Baremado health insurance is the product indicated for those users who don’t want to deal with a traditional policy premium but who want to access private health careat more affordable prices. Thus, a patient may decide at a certain point go to a private specialist, in Exchange for an agreed amount, and avoid one of the big drawbacks of Social Security: the long waiting lists. offers you the opportunity to search in just a few minutes between alarge number of insurance companies dental insurance or health that most suit what you are looking for. Preferential, co-pays or no co-payments. The trick to not be mistaken in the choice is to compare not only the price but also the coverage including in the case of the preferential and insurance co-pays, the annual premium and thecost of using certain services
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Health insurance improves their result by 5%.

The growth of the bouquet, which managed more than 11 million policyholders, is key to its evolution in 2016
The past 2016 closed with significant benefits for the health insurance industry. Thus the figures Tuesday tabled by cooperative research of insurance entities (ICEA) next to the business insurance Association (Unespa), which speak of a growth in the health insurance of 5.1 per cent, which had not been achieved in this decade, in whichthe improvements reflect it annual not habina arrived to four percent.

In particular, last year were 7.734 billion euros thanks to this sector, which surpassedthe 11 million policyholders. As highlighted by Pilar González de Frutos, President of Unespa, 2016 has been especially important to the field of health, whose growth, along with the of the automobile sector, is key to good data that has obtained the  health insurance in the past 12 months.

Under the name insurance prospects and the economy for 2017 have been made public statistics on the evolution of the health insurance premiums and the benefits obtained in 2016. Health data indicate that while in 2015 the estimated volume of premiums was 7.361 billion euros, last year this figure amounted to 7.734, being the secondmost important growth within the field of premiums from nonlife, which grew by 4.49 percent in 2016.

health insurance

health insurance


Subsidies, most in the health insurance

Evolution methods, data are also positive in the three branches of health, because health insurance grew by 4.70 percent, the refund by 6.29 percent and the subsidy attained a growth of 11.51 percent, the largest within the branch of health.

“The evolution of health insurance is more positive than any of the other sections of nonlife:more, grow faster during the entire period of crisis. This is because it has been taking one growing share, has increased by more than five points in recent years. Health insurance is basically the form of health care, that is around 90 percent, and will continue to be the fundamental pillar“, explained Javier Murillo, managing director of Segurcaixa Adeslas.

According to their exposure, the collective segment has been the great engine of growth in the sector in recent years, with significant increase in premiums and in the number of insured persons. On the other side are officials sector, representing almost20 per cent of the volume of health insurance  premiums. Although its evolution is not especially bright, expected a 2017 without rising prices, and explains that the future depends on under what conditions it can renew the current contract for 2018.

In addition, Murillo highlights three trends in your field: a structural increase in health care costs against the deterioration of the ability of Governments to finance them,a change in now more informed and demanding customers, and an evolution in theprivate health, which already represents a third of the beds in Spain and 28 percentof the total health expenditure.

health insurance

health insurance

“The  health insurance sector was 11.8 per cent of the financial savings of households in 2016″, said José Boada, President of ICEA in his inauguration speech. In this line has been also fruit Gonzalez, who described the 2016 as a historical exercise, with a set ofpremium invoiced 63.827 million euros, a 12.2 percent increase over the previous year. This, in their view, demonstrates that the society demands solutions that  health insurance is able to give.


Health insurance and car lines have shown a more remarkable growth, and they areresponsible for the good figures, but there is scope for growth. Even the oldest exercises ratios are not reached. Regarding profitability, life insurance could have initiated recovery in 2016. The coming year will be those of innovation, also in these respects”, said Gonzalez of fruits.
According to his words, the savings in life insurance products exceeded 177.000 million, representing an annual increase of 5.98 percent. This reflected a rise of individual incomes, five to eight percent of the disposable income of households, but the worst news is the weakness of the collective products. health insurance is advancing but not to the extent that should be according to what society needs. This society does not increase their saving habits when you should do it. We must seriously considerthe needs of an ageing population”, said the President of Unespa.