You already know that when it comes to taking out private health insurance, you can take out different types of policies, coverage, and services. And among them is the modality of health insurance with reimbursement. But what is reimbursement insurance?
In this Elite Seguros post, we explain what reimbursement insurance consists of so that you can make the best choice regarding the contracting of your private health insurance, according to your needs and preferences.
Reimbursement Health Insurance
If you are wondering what reimbursement insurance is, you should know that it is a type of insurance with which the insured has the option of requesting the services of a doctor who does not belong to his insurance company. And if he/she does so, he/she has to pay the cost of such consultation to this professional and, finally, the company reimburses him/her the percentage of the amount, according to the conditions of the reimbursement insurance that has been contracted and agreed with the insurance company.
In any case, the insured has the possibility of choosing freely with this type of insurance to go before the use of the services to the medical services to the Sanitas' medical list, in which case he will not have to make any disbursement, being attended by means of his insured card or if he accesses the medical services by professionals outside the company where the insured pays the bill for the service, presenting the documentation to the entity that will reimburse the percentage stipulated up to the limits established in his contract according to the choice of the contracted capital and be fully covered thanks to his private medical insurance.
What are the main advantages of a reimbursement health insurance?
In order to know what reimbursement insurance is, you must know what are the main advantages provided by this modality. Specifically, the possibility of reimbursement will allow you to enjoy the following benefits:
Free choice of doctor
This type of health insurance offers you the opportunity to choose the doctor of your choice. What if I want to choose a doctor who does not belong to the company? This is not a problem either, because as we have just said, you have the option of choosing the professional of your choice, regardless of whether or not he/she belongs to the insurance company.
Shorter waiting times
As we have just mentioned, the possibility of choosing from a wider range of professionals will allow you to reduce the waiting time, having this option you can avoid it and look for a professional who will see you sooner.
Coverage outside your country
What happens if I have a medical emergency while abroad? If we go to another country for tourism, for work, or for any other reason, we are not exempt from any incident or medical need. And given this possibility, this type of insurance is a good choice as you can choose any doctor in the world for assistance and provides coverage anywhere in the world.
Ease of operation
This advantage is fundamental to know what is reimbursement for health insurance since its main feature is the ease with which you can carry out the reimbursement of the cost borne by the insured for medical care. You only have to pay for the service in advance and then the company in question is responsible for refunding the amount paid.
However, each insurance company has different particularities and conditions in relation to how, how much, or when to do it. Therefore, it is essential to be well informed before signing the contract.
However, our recommendation is that you have the possibility of choosing between several modalities of this insurance so that you can choose the one that best suits your needs and interests.