27 Jan THE IMPORTANCE OF CHOOSING HEALTH INSURANCE WITHOUT CO-PAYMENT
THE IMPORTANCE OF CHOOSING HEALTH INSURANCE WITHOUT CO-PAYMENT
More and more people are opting for private health insurance. Its advantages are multiple, they complement public social security and there is coverage in matters such as dental care, which are often excluded from public insurance. However, they aren’t all the same: while there is a type of health insurance without a co-payment, and by the other way, there are another that includes it, but which one do you need?
First of all, you should know the differences between health insurance without a co-payment and another that does. We offer you all the information so that you are the one who chooses what you want, so that you find the reasons to choose one or another option.
WHAT IS A HEALTH INSURANCE WITH AND WITHOUT A CO-PAYMENT?
A health insurance without co-payment is one that completely covers private health insurance. When insurance with a co-payment is implemented. For example, in dental insurance, some services are free and others have a discount that usually varies depending on which one is chosen. A good insurance without co-payment must have coverage without deficiencies within the contract. In contrast those with a co-payment, this option covers absolutely everything within the chosen benefits.
By contrast, health insurance with a co-payment requires an additional supplement to the payment of the insurance premium. Typically, this extra payment ranges between 10% and 75% by the customer, depending on the service you want to choose.
Insurances with co-payment are divided into: progressive co-payment insurances (usually have a co-payment that depends on the service and the premium is cheaper than in full coverage) and high co-payment insurances have a lower premium (ideal for young clients but in the case of having a health problem can attract big problems).
WHY CHOOSE A HEALTH INSURANCE WITHOUT CO-PAYMENTS?
The complementarity of public health services with private insurance has led thousands of users to select private insurance systems with co-payment. Are you one of them? Well, perhaps you would like to know that health insurance without co-payment will be more profitable in the long term:
1.Because you use health services constantly: If you are a regular user of health services, the health insurance system compensates you without co-payment because, otherwise, you will be constantly overpaying. Flat rates will be ideal in these cases.
- Absence of unexpected expenses: Normally the co-payment is added to the final premium but, as you can imagine, it can greatly increase the annual cost at the health level. A health insurance without co-payment promises you that you will not get any unpleasant surprises, offering you full coverage. If you are one of the people who doesn’t want to be surprised, this is your option.
- The peace of mind of being covered: Even if at a certain moment you think that you don’t have to suffer from any illness, the security provided by having health insurance without co-payment is related to this peace of mind, with not worrying about the health part in order to enjoy your life.
4.Ideal against accidents and sudden illnesses: Choosing the health insurance without co-payment will give you a unique possibility; that of always being covered. Imagine that you have an injury that requires rehabilitation assistance. This rehabilitation is not always covered by public health. Therefore, a separate physiotherapist must be paid. On the other hand, if you choose a health insurance without co-payment, this coverage will be included in the total cost. What is the optimal health coverage option for you?
