In any case, health insurance policies more frequent in Spain are the medical chart, offering comprehensive coverage at a reasonable price, ranging from general medical clinics or specific specialties to the hospital for any reason. When analyzing this type of policy there are some important aspects must be considered. It is essential for example to know if our trusted physician or pediatrician who has cared for our son since birth belongs to the medical chart of the policy that we want to hire. In addition, the company should verify that you care includes assistance in prestigious centers in your city or province, as well as referral hospitals for certain specialties both within and outside Spain. For this reason, some companies hold concerts with world reference centers. So does for example Sanitas, which, with its Multi policy allows policyholders to be treated at U.S. hospitals like MD Anderson Cancer Center in Houston. Generally speaking, the medical charts of insurers are spread throughout the country, although there are often significant differences in the degree of coverage and number of subsidized centers in each province. There are even some companies that operate only at local level, as IMQ (whose medical centers are distributed in the Basque Country) or Aliança (which operates only in Catalonia). Despite this, in almost all cases, the policyholders of these companies can have medical care if they move outside these provinces, although the quality is obviously smaller.
Freedom of choice: reimbursement policies
Finally it is worth mentioning the existence of reimbursement policies, designed for people looking for complete freedom of choice in doctors and medical centers, either in Spain or abroad. In these medical insurance, the insured faced in the first instance to the costs of care, and the insurer then reimburses a percentage of them, which typically ranges between 80 and 90% of expenditure. Examples of this type of insurance would be health insurance or policy Adeslas Extra Mundisalud of DKV Seguros. The downside is that the cost of these policies is significantly higher than medical chart policies and therefore often hire only customers with a high purchasing power.
In conclusion, finding the policy that best meets your needs, you should make a thorough analysis of the market. A kit knowledge of our team of experts and requests a telephone conversation without any commitment to a specialist adviser. You alcar decantarte any questions before the company that will protect your health over the coming years.
Tags: Health Insurance, health insurers, insurance, The best health insurance
