Health Care Info

In this type of policy, the insured can choose the doctor and the center for your needs within the so-called “medical chart” of the insurer, ie the list of centers and specialists concluded by the company. This option is most common among Spanish consumers, offering a wide range of choice at a very reasonable price.
When comparing health insurance of this type, the key is to analyze whether the policy includes the most prestigious professionals and hospitals in the first line of your city. Additionally, if you have a specialist to whom you go regularly (your gynecologist, pediatrician of your children, etc..), It is important to make sure that is also on the medical.

Finally it should be noted, that in such policies, there are also so-called modalities “basic.” Like the options “complete”, these forms provide a medical panel to which the insured can go to the doctor or specialist agreed that you want. However, it would address the cases of hospitalization or special tests may be necessary to make a diagnosis. In exchange, the price of insurance is considerably smaller, making it a more common option for consumers who want the freedom to see a specialist without going through the GP, but if they do not care hospital use Social Security.
Medical insurance reimbursement

Unlike the policies described in the previous section, medical insurance reimbursement to the insured offer the great advantage of free choice of doctor you want (in Spain or anywhere in the world). This means that in addition to being covered at 100% for any visit to an expert in the medical chart if the insured chooses to go to a doctor who does not work with your insurance company, it will reimburse between 80 and 95 % of costs, depending on the conditions of each policy.

Such policies are particularly suitable for people who want to be sure to go to the best professionals in case of need, whether they have an agreement with your company or country in which it is located the doctor in question. Since this type of coverage is a much higher cost to insurers, the price of these policies is considerably higher than the health insurance described above. Additionally it should be noted that in case of choosing a medical specialist outside of the box, the insured must meet the payment of services in the first instance and will not obtain reimbursement from the insurance company until it has not validated any documents. For these reasons, this type of insurance is often hire only people with relatively high purchasing power.