Why take out health insurance?
Here we review some of the main reasons why it is good to have health insurance.
Free choice of the medical center and specialist
This is one of the main benefits of private health insurance. When you take out health insurance, you can choose the center you want to go to and, when the time comes, the specialist you want to see you.
The medical chart is one of the key points in choosing health insurance. With Public Health, the assigned center will always be the closest. Private insurance allows you to choose the hospital you want and the primary care doctor and specialist.
Fewer paperwork and steps to receive care
To be able to go to a specialist in Public Health, you must first go through the consultation of the family doctor, who is the one who will decide whether or not to send you to the specialist. Private insurance eliminates this step. You can go directly to the specialist you want and choose without further paperwork or waiting.
You will receive the treatment you need sooner, an advantage of private insurance that you will not find in Public Health.
Reduced waiting times
In line with the previous benefit of medical insurance, another of the most valued advantages is the reduction of waiting times and the lists to carry out diagnostic tests and receive the results.
The best example of this advantage of private insurance is children’s health. As a parent, it’s normal to be upset when your child gets sick, especially when you don’t know exactly what’s wrong and he can’t explain it. With health insurance, you can forget about waiting lists at the pediatrician, and your little one will always be seen as soon as possible.
Children are one of the reasons for having health insurance, and their birth is one of the reasons and times when it is usually contracted.
This speed also applies to emergency services, which with private health insurance are more agile, which is what you are looking for when you go to them.
Time flexibility
To visit your public health doctor and even a specialist, you must ask for a morning off from work and even the whole day.
Private health insurance schedules are broader and more flexible. You can go after work or have to miss just a few hours. In addition, there is usually no annoying waiting to be seen because they give more time to each patient.
Most innovative medical treatments
Private healthcare is always at the forefront of medical treatments and techniques. In addition, you will have a wide variety of options when choosing the treatment you need and other complementary therapeutic approaches.
You will always be able to ask for a second medical opinion whenever needed. This way, you can ensure that the treatment is the most appropriate for your ailment.
More comfort in hospitalization
A larger room for you alone, without companions, and with more flexibility for visits. This additional comfort is one of the most repeated reasons for taking out health insurance and one of the great benefits of health insurance.
International coverage: you are covered on your trips
When you are on vacation or traveling, you want to enjoy yourself and not worry about hospitals or emergencies, even if you have a mishap. With medical insurance, you will have the care you deserve on vacation, both in Spain and abroad, through travel assistance coverage.
With Aegon insurance, you can go to any concerted center, wherever you are. If you are traveling abroad, you will also be covered within the policy’s limits, which can even save you travel insurance.
Regular checkups and prevention coverage
There are medical tests that should be done according to age, and also annual checkups are recommended.
Public health only covers part of these tests. If you want to do an annual blood test, public health will not cover it since they are only done at certain ages. The same happens with visits to the gynecologist, which with public health are limited to specific times depending on your age and pregnancy.
With private health insurance, you will not have these limits. You can get the checkups you need when you need them. Thanks to this prevention coverage, it is possible to detect and anticipate health problems early.
Dental care
Public health dental coverage is limited. The extractions are covered, but if you need something else, public health may not go as far as you want. If you have a private health policy, you already have access to some services and discounts on dental interventions. In addition, dental coverage within many private health insurances covers services such as cleaning, fillings, discharge splint, or X-rays.
24-hour medical assistance
With Aegon, you will have medical assistance available 24 hours a day, whenever you need it. This benefit of medical insurance translates into the peace of mind that you can resolve any medical questions anytime without going to the hospital. This will save you a lot of time and nerves.
You can choose the type of insurance you want
More than one type of health insurance and different modalities adapt to your needs. Thus, you can choose between insurance with an open medical directory, where you can select the specialist you want; with a closed medical chart and reimbursement, in which you can go to any doctor, but you will have to advance the money if it is not within the medical chart of the insured person; or medical insurance without or with a copay. This last is a cheaper modality, but unlike medical insurance without a copay, with this type of insurance, you will have to pay a certain amount each time you use the insurance.
Most importantly, you get advice and choose the option that best suits your needs.
Compatible with public health
It is common to think in terms of black and white and forget that private health insurance does not exclude the use of public health. You can enjoy the benefits of private health insurance and go to public health when you deem it appropriate.
These are just the top 12 reasons to buy health insurance, but there are more. Health care through private insurance, such as Aegon’s, offers advantages such as video consultation and assistance through agile channels such as Whatsapp, etc.