What is better: health insurance with or without co-paymentAre you unsure which one is best for you? Taking out private health insurance is a great decision: you'll have the peace of mind of putting your health and that of your loved ones in the hands of the best professionals.
Another benefit of private health insurance is getting medical care quickly and easily. The public health system can sometimes have long waiting lists, and when it comes to your health, the ideal is to get the care you deserve as soon as possible.
Let's see next What are the differences between health insurance with co-payment and one without co-payment? so that you can make the decision that's best for you.
The co-payment in health insurance is A small extra amount that must be paid when using a medical service, in certain policies. This amount is in addition to your monthly premium. Choosing insurance with or without copayments affects your monthly premium. You can choose insurance with no copayments, a low copayment with the advantage of having the first services free each year and the rest with a reduced copayment, or purchase insurance with a medium, progressive copayment based on your use of the policy.
Copayment is an amount of money that must be paid when using a medical service. That is, The insurer will pay a portion and the user will cover another portion of the payment.This amount will always vary depending on the type of contract entered into.
This will be added as an additional amount to the following month, included in the premium price. You will pay a fixed monthly fee, which also includes the amount for each medical service you seek, depending on the type of service.
There are different types:
Private health insurance with co-payment is an alternative for those people who do not go to the doctor regularly and seek to reduce their monthly premium. This way, you'll save money knowing you're paying for the right amount of your health insurance.
The three types of co-payment allow you adjust it to your needs. High-copay insurance will be ideal if you rarely go to the doctor and want to pay a much lower premium. As you use your policy more and more, you may be less interested in switching to low-copay insurance or switching directly to no-copay insurance.
Hiring health insurance without co-payment will entail pay a fixed fee each month, and this will not vary regardless of the number of medical procedures performed or the number of times the specialist is visited.
As you can see, this is an alternative more convenient and economical for those who make more frequent use of their health service. It will also give them greater peace of mind, as they know exactly what the premium they owe each month is.
Choosing between health insurance with or without co-payment it will depend on your needsYou should keep in mind that the co-payment required by each type of insurance company can vary from €0 to €100, so we recommend carefully studying the terms and conditions offered so you know how to calculate the most cost-effective option for you.
One of the great benefits of Sanitas Contrata is our rates. Our highest co-payment is €20, making it perfect for people who require high-frequency services.
Additionally, we offer a variety of different types of plans. Here's a breakdown:
These are the products you can enjoy with their corresponding co-payment:
* 10 physiotherapy sessions, 30 days of oxygen therapy, 30 days of bpap and cpap, 15 days of aerosol, 15 sessions of ventilotherapy, and a childbirth preparation module.
*15 physiotherapy sessions, 15 ventilation therapy sessions, 30 days of oxygen therapy, 30 days of BPAP and CPAP, and 15 days of aerosol, and a childbirth preparation module.
In conclusion, if you plan to make regular use of your health insurance, and go to a specialist's office frequently, without a doubt the best alternative for you will be health insurance without co-payment.
If, on the other hand, you want to take out private health insurance just as a precaution and you don't plan to use it more than two or three times a yearWe recommend that you choose the type of copayment that best suits your budget.
At Sanitas, we offer a wide variety of options to tailor your policy to your needs. If you're wondering whether to purchase co-pay or non-co-pay health insurance, just check out our plans. individuals and contact us so we can advise you.
