THE Private health insurance is gaining popularity in our country, with a sustained growth of 8% in recent years according to the sector’s employers’ association, Unespa. The offer has improved and expanded in recent years, in a phase of expansion that allows you to find good insurance to protect the well-being of the whole family at a competitive price.
In a context like this, it is more important than ever to compare: not only to find the most competitive price, but also to contract the coverage that interests us most according to our needs, circumstances and interests. It is no longer just about going to specialists and general consultations without waiting lists, but about benefiting from planning and prevention services that will make our lives easier and with which we will avoid scares and unforeseen events for what matters most: our health. So that you know what the keys are 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 | Full handle ++ | €25.99 | GO TO OFFER | Understood | Half | No | Basic | Understood |
| DKV | DKV Complete Integral | 26.57 € | GO TO OFFER | Understood | High | Up to 25% off. | Complete | Understood |
| Adeslas | 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 | No | 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 policies with co-payments, you will benefit from a reduced 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 that they will not use it very often. On the other hand, with medical insurance without co-payments you have access to an “all-inclusive” formula, without paying extras whatever consultation or treatment you access.
Regardless of the payment method, 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 do not want to pay too much and are in good general health.
- Medical insurance with hospitalization. The most common policies include both basic services and hospital admission for serious health problems or surgical procedures.
- Medical reimbursement insurance. With these insurance policies, the most comprehensive but also the most expensive, you can go to any healthcare professional you choose, both in Spain and abroad, and the policy will reimburse you for most or all of the bill (between 80% and €100%).
The most important coverage of good health insurance
Private health insurance usually includes access to both primary care and 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. An essential coverage in these times and offered by the majority of health insurances on the market. With this coverage, you can enjoy medical discussions with accredited professionals for minor questions about your health, as well as video calls with doctors to resolve medical problems without having to go to a consultation.
- Dental insurance. Most health insurance policies 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 policies include comprehensive and free coverage, which is highly appreciated by their users.
- Prevention services. Health insurance is not only useful when we are faced with an illness, but also to prevent us from having medical problems. Most insurances include preventive medicine services: nutrition, childbirth preparation, family planning, free check-ups…
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 services of the policy. In addition to age, other elements also affect the cost of the contract:
- Blanket: Obviously, more coverage will increase the price of the insurance. It is important to check the coverages included before taking out insurance and consider whether it is necessary or whether you want to be protected against eventualities covered or not by the policy. For example, some insurances include psychological therapy and others do not, which usually translates into 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 procedures 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 care services can vary from location to location.
