Why should I take out Healh Insurance?

 

 

To get greater peace of mind and the guarantee of receiving the best medical and hospital care without waiting lists and with a friendly and personalized service.

You will have all the benefits of private medicine when you need it.

Health Insurance

Within the limits and conditions stipulated in each policy, and by paying the premium, the insurance company agrees to provide the insured with the financial coverage related to services and medical care required, as well as surgical and hospital care for those illnesses included in the list of covered health services.

Health questionnaire

Insurance Companies usually require a health questionnaire and, if necessary, a medical examination to know the maximum detail of the health status of their future insured. Thus, they can determine the kind of risk added to their insurance portfolio.

The health questionnaire is mandatory and can be more or less strict depending on the age of the insured and the capital to be insured.

Some companies carry out medical examinations telematically.

Coverages

The services provided by the health insurance are normally the following:

  • General medicine and pediatrics.
  • Specialties: gynecology, orthopedics, oncology, cardiology, etc.
  • Diagnostics: laboratory tests, CT, mammography, x-rays, etc.
  • Hospitalization.
  • Outpatient and hospital emergencies.
  • Health Care abroad, up to a maximum annual amount.
  • Dental care.

Agreements with Insurance Companies

GVC Gaesco Correduría has reached agreements with the following Insurance Companies:

  • Plus Ultra.
  • Catalana Occidente.
  • Zurich.
  • Axa.
  • Generali.
  • Liberty.
  • Mapfre.
  • Assistència Sanitària.
  • Asisa.
  • Sanitas.
  • DKV.
  • Fiatc.
  • AEGON.
  • Mutua Propietaris.
  • Aviva.
  • Helvetia.
  • Reale.
  • Surne.
  • Allianz.
  • Ca Life Insurance Experts.

How to change to another company

Although Health Policies are taken out annually, premium payments are made monthly. Therefore, most Insurance Companies don't permit the cancellation of policies in force during the annuity.

The request for withdrawaI has to be managed two months in advance, and it is usually dealt at the end of the year.

Unlike other insurance lines, when dealing with Health Insurances, companies are obliged to inform insurers about any increase in Insurance premiums. The insurer has the right to cancell the policy in case of not acceptin the increase.

The deadline to cancel the policy will be in october.

Categories

Health modalities basically differ in the method of payment. Currently, most companies who work with us have no copayment option.

Copayment option

A copayment is a type of insurance policy where the insured pays a specific amount of out-of-pocket expenses when the health care service is required.

No copayment option

With this modality, the insurer is only facing a monthly payment, regardless of the number of visits to the doctor. If the frequency is high, the Insurance Company may significantly increase the insurance premium at the end of the annuity.

Reimbursement option

This modality enables the insurer to go to any doctor, specialist or hospital. The Insurance Company reimburses the insurer for complete or partial out-of-pocket medical expenses.

The insurer pays the expenses and asks for an invoice and the corresponding proof. With this documentation, the Insurance Company make the reimbursement under the terms agreed in the policy.

Miscellaneous

Waiting period

A waiting period refers to the period of time you will need to wait before you can begin claiming in your health insurance policy. Incidents which occur during this time are not claimable. This period is calculated by months since inception. The waiting period is usually six months.

The waiting period is basically applied in the policies for women of childbearing age. The waiting period is normally form 8 to10 months for pregnancy and childbirth coverages.

Faced with a life threatening emergency, there is no waiting period.

Pre-existence

A pre-existence is a medical condition that started before a person's health insurance went into effect. Some insurance policies would not cover expenses due to pre-existing conditions.

Hospitalization

The act of taking someone to hospital as a patient and keeping him/her there for treatment.

Urgent care / Emergencies

Urgent Care is the provision of immediate medical service offering outpatient care to avoid an irreparable damage to the health.

Health Insurance Card

This is a personal and not transferable document that identifies the insurer. It is required to receive medical treatment.

Health Questionnaire

Insurance Companies usually require a health questionnaire and, if necessary, a medical examination to know the maximum detail of the health status of their future insured. Thus, they can determine the kind of risk added to their insurance portfolio.

Medical team

List of phyisicians and health facilities provided by the Insurance Company.