An additional amount paid by the insured to use certain services within their insurance plan. Copayments are used to offer lower premium prices.
This way, you can get your personal health insurance with or without a co-pay. So, for example, if you're someone who uses your health insurance infrequently, and you choose the option with co-pay, you'll be sure to pay only for what you'll use, saving you a lot of money.
What are grace periods?
When using certain healthcare services, especially those related to diagnostic tests or complex treatments, these are subject to waiting periods.
This means that a certain period of time must pass before you can use the service after purchasing the policy, which is determined by the type of personal health insurance you choose.
These periods can range from 3, 6, or 8 months, and even longer for specific procedures. Likewise, if you come to Sanitas and already have another health insurance plan, the waiting periods may be waived.
Therefore, don't forget to let us know your condition when you sign up for your personal health insurance with us, in case you qualify for this benefit.
What is the stay period?
This is the minimum contract term, which is usually 12 months, with some exceptions. Once this term expires, if the insured has not notified us one month in advance that they do not wish to renew their insurance, the system assumes they wish to continue with us and automatically renews.
What are additional coverages?
In addition to the services included in your personal health insurance, at Sanitas we have numerous additional services or coverage, whose purpose is to try to make your day-to-day life easier. Thus, depending on the option you choose, you can enjoy, for example:
Video consultation service, to talk to your doctor wherever you are.
Sanitas 24 hours, a telephone service for emergencies and medical advice.
Sanitas Welcome, to expedite medical procedures, available 24 hours a day.
All kinds of online procedures, through the My Sanitas customer area.
What are pre-existing conditions?
It has to do with the pathologies that the client suffers from prior to contracting of the service. In these situations, anyone wishing to seek insurance with Sanitas must report these conditions in advance, and the medical department will contact the individual to assess their case.
What is the Insurance Compensation Surcharge?
An annual surcharge added to the price of the policyThis is paid only on the first receipt and represents a surcharge of 0,15% of the annual net fee.
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