THE private medical insurance are on the rise in our country, with sustained growth of 8% in recent years according to the sector’s employers’ association, Unespa. The supply has improved in quantity and quality without yet detecting a significant increase in prices, making it an ideal time to hire.
In a context like this, it is more important than ever to compare: not only to find the most competitive price, but also to take out the coverage that interests us most according to our needs, circumstances and interests. It is no longer just a question of going to specialists and general consultations without a waiting list, but of benefiting from planning and prevention services that will make our lives easier and with which we will avoid fears and unforeseen events for this that matters most: our health. So that you know what are the keys to finding the best medical insurance, below we give you all the details and show you some of the offers on the market, available on Kelisto.es.
| INSURANCE | PRODUCT NAME | MONTHLY PRICE (€) | HOSPITALIZATION | CO-PAYMENT | PROMOTIONS | DENTAL COVERAGE | VIDEO CONSULTATIONS AND MEDICAL CHAT | |
|---|---|---|---|---|---|---|---|---|
| Asisa | Complete handle ++ | €25.99 | GO TO OFFER | Understood | Half | No | Basic | Understood |
| AXA | Optima Family L | €27.91 | GO TO OFFER | Understood | High | Up to 20% off. | Basic | Understood |
| Adèslas | Adeslas Plena Vital | €37 | GO TO OFFER | Understood | Half | Up to 4 months free on dental+health | Basic | Understood |
| Divine Assurance | Full health | €38.75 | GO TO OFFER | Understood | Weak | No | Complete | Understood |
| Sanitas | Sanitas More optimal health | €51.68 | GO TO OFFER | Understood | Half | Blua + 1 year of home services | Complete | Understood |
What types of private health insurance are there?
Health insurance can be divided into two main categories: insurance with co-payment and without co-payment. With co-payment policies, you will benefit from a lower monthly payment in exchange for paying a small amount each time you use the insurance: it is a perfect option for those who want more security, but think they won’t use it much. often. On the other hand, with medical insurance without co-payment you have access to an “all-inclusive” formula, without additional costs whatever the consultation or treatment you access.
Whatever the method of payment, there are several types of private health insurance depending on the guarantees included:
- Medical insurance without hospitalization. These are the cheapest policies, which include access to private primary care and specialist consultations, but do not include hospitalization and surgical procedures. This is a good option for those who don’t want to overpay and are in good general health.
- Medical insurance with hospitalization. The most common policies include both basic services and hospital admission in case of serious health conditions or surgical procedures.
- Medical reimbursement insurance. With these insurance policies, the most complete but also the most expensive, you can go to any health professional of your choice, both in Spain and abroad, and the policy will reimburse you for the most or all of the bill (between 80% and €100). %).
The most important coverage of good health insurance
Private health insurance usually includes both access to primary care and to specialists from various disciplines, without having to go through a GP to get a referral. But these types of policies offer much more than that. The most popular services are:
- Telemedicine. Essential coverage in these times and offered by the majority of health insurance on the market. With this coverage, you can enjoy medical discussions with credentialed professionals for minor questions about your health, as well as video calls with doctors to resolve medical issues without having to go to a consultation.
- Dental insurance. Most health insurance plans include a basic dental policy, which includes basic dental procedures at no extra cost and discounts on the rest. You can take out a comprehensive contract that increases protection; Some health insurance plans include comprehensive and free coverage, which is highly appreciated by their users.
- Prevention services. Health insurance is not only useful when we face an illness but also to save us from having medical problems. Most insurance plans include preventive medicine services: nutrition, preparation for childbirth, family planning, free check-ups, etc.
What factors influence the price of health insurance?
The age of the insured is the most important factor this affects the price of health insurance. In general, older people pay more in their monthly payment for their health insurance than younger users, who are less likely to use the policy’s services. In addition to age, other elements also influence the cost of the contract:
- Blanket: Obviously, more coverage will increase the price of insurance. It is important to check the coverages included before purchasing insurance and consider whether it is necessary or whether you want to be protected against eventualities covered or not covered by the policy. For example, some insurance plans include psychological therapy and others do not, which generally results in a lower monthly premium.
- Type of insurance: The type of insurance also determines its price. There are basic insurances that only cover primary care consultations or specialized treatments, excluding hospitalizations and surgical procedures. Policies that include hospitalization and surgical interventions or those that allow access to any professional are more expensive, in the case of the reimbursement modality.
- Location: Sometimes insurers adjust the price of health insurance based on zip code or location because the cost of health services can vary from location to location.
