What does health insurance cover and how does it work?
Health insurance covers a wide range of elements and scenarios. In recent years, more and more people are turning to the private sector for this form of health insurance.
Our Élite Seguros team has put together a complete explanation of what health insurance covers and what its features are to help you choose the best plan. Get your pencil and paper to write down the most important points.
What is private health insurance?
Insurers and policyholders sign a contract that protects the insured by providing health benefits such as specialized tests, special treatments, and medications.
It is important to know that, when it comes to knowing what health insurance covers, there are basic characteristics that most policies share.
Health insurance can range from extremely general coverage (focused on basic care) to very technical (and specialized) coverage for specific illnesses.
A health insurance policy covers the following:
You should know what your health insurance covers. Here are the most fundamental services, both general and particular, offered by insurers.
Keep in mind that you will only have to choose one, even though they offer a wide range of benefits. An individual policy offering comprehensive health insurance will be of little value if you live alone.
Access to medical specialties: Medical services include cardiology, dermatology, traumatology and obstetrics, among others.
Diagnostic tests are available. Clinical tests such as ultrasounds, x-rays, MRIs and urinalysis are examples of clinical tests.
Muscular, oncological or pulmonary rehabilitation therapies, among others, are some of the therapeutic approaches available.
Surgical interventions (with or without hospital admission).
Hospitalizations and other crises.
Emergency telephone assistance and medical advice are available 24 hours a day, 7 days a week.
Possibility of management through the Internet.
Insurance exclusions and limitations
Health insurance covers a wide range of life events, however, there are certain exclusions. When it comes to private healthcare, insurance customers cannot ignore the situations in which they will not be protected.
Here are some of them:
Illnesses or injuries that were present at the time of the accident.
As a result of war, terrorist actions or industrial accidents, a clinical scenario could occur.
Termination of pregnancy at the mother's request.
Transplants (except bone marrow or cornea transplants).
Cosmetic interventions
The company may cancel the contract if the insured commits fraud or gross negligence.
Is there better health insurance on the market than others?
If you've read this far, you're probably wondering, beyond what health insurance covers, which is the best health insurance to use in the industry. Who doesn't want to know if you have these answers? We'll tell you what happens.
When it comes to policies, Elite Seguros is one of the best insurance companies in Miami, Florida. We offer a wide range of services that are tailored to your specific needs.
If you are looking for high-quality medical insurance coverage but don't know which one, don't worry, request a free quote today with Elite Seguros. To access click here
